Two Model Credit Analysis

Background

Corels are ‘Certifiably Optimal RulE ListS’. They are short and simple human interpretable rule lists created on categorical data.

This analysis compares the performance of a simple Corels rule set to xgboost on German credit data.

The xgboost modelling of the german credit data is adapted from this excellent test of tidymodels with drake.

Data Preparation

Data source

The german credit data is downloaded and prepared.

# Package names
packages <- c("tidymodels", "tidypredict", "corels", 
              "tidycorels","funModeling","pROC",
              "easyalluvial","parcats","networkD3",
              "formattable","visNetwork")
              
# Install packages not yet installed
installed_packages <- packages %in% rownames(installed.packages())
if (any(installed_packages == FALSE)) {
  install.packages(packages[!installed_packages])
}
# Packages loading
sapply(packages, require, character = TRUE)|> 
  suppressPackageStartupMessages()
#>   tidymodels  tidypredict       corels   tidycorels  funModeling         pROC 
#>         TRUE         TRUE         TRUE         TRUE         TRUE         TRUE 
#> easyalluvial      parcats    networkD3  formattable   visNetwork 
#>         TRUE         TRUE         TRUE         TRUE         TRUE

dataset_url <- "https://www.openml.org/data/get_csv/31/dataset_31_credit-g.arff"
clean_df <- read.table(file = dataset_url,
                       header = TRUE,
                       sep = ",") %>%
  janitor::clean_names(., "small_camel") %>% 
  dplyr::mutate(class = case_when(class == "bad" ~0, class == "good" ~ 1),
                class = as.factor(class))

Data Splitting

We first split the data into 80% training data and 20% test to evaluate the final model chosen. Folds of the training data are also created for cross-validation when building a classifier with XGBoost.

set.seed(seed = 943)
training_split <-
  rsample::initial_split(
    data = clean_df,
    prop = 0.8
  )

trainData <- rsample::training(training_split)
testData <- rsample::testing(training_split)

set.seed(seed = 1738)
folds <- rsample::vfold_cv(trainData,
  v = 5
)

Data exploration

Let’s quickly explore the relationship between each predictor and the outcome of a good or bad loan.

We use the funModels package to bin or categorise numeric predictors to maximise the information gain ratio. From this we can more easily “semantically describe the relationship between the input and the target variable”.

We also store the cut points of the categorised continuous columns to be used later when preparing the data for Corels.

# https://blog.datascienceheroes.com/discretization-recursive-gain-ratio-maximization/
trainData_cat <-
  trainData %>%
  dplyr::mutate(dplyr:::across(
    .cols = c(duration, creditAmount,age),
    list(~ funModeling::discretize_rgr(input = .x, target = class)),
    .names = "{col}Cat"
  ))

vars <- base::colnames(dplyr::select(trainData_cat, dplyr::contains("Cat")))

age_cat_cuts <-
  trainData_cat %>%
  group_by(ageCat) %>%
  dplyr::summarise(min = min(age), .groups = 'drop') %>%
  dplyr::pull(min)

duration_cat_cuts <-
  trainData_cat %>%
  group_by(durationCat) %>%
  dplyr::summarise(min = min(duration), .groups = 'drop') %>%
  dplyr::pull(min)

amount_cat_cuts <-
  trainData_cat %>%
  group_by(creditAmountCat) %>%
  dplyr::summarise(min = min(creditAmount), .groups = 'drop') %>%
  dplyr::pull(min)

This function will plot each predictor against the outcome.

plot_fun <- function(cat) {
  cat <- rlang::ensym(cat)

  trainData_cat %>%
    dplyr::group_by(!!cat, class) %>%
    dplyr::summarise(n = n(), .groups = 'drop') %>%
    ggplot2::ggplot() +
    ggplot2::aes(
      x = !!cat,
      y = n,
      fill = forcats::fct_rev(class),
      label = n
    ) +
    ggplot2::geom_bar(
      position = "fill",
      stat = "identity"
    ) +
    ggplot2::geom_text(
      size = 3,
      position = position_fill(vjust = 0.5),
      colour = "black"
    ) +
    ggplot2::theme_minimal() +
    ggplot2::coord_flip() +
    ggplot2::scale_y_continuous(labels = scales::percent) +
    ggplot2::theme(
      panel.grid.major.x = element_blank(),
      panel.grid.minor.x = element_blank(),
      panel.border = element_blank(),
      strip.text.x = element_text(size = 10),
      axis.text.x = element_text(
        # angle = 60,
        hjust = 1,
        size = 10
      ),
      legend.text = element_text(size = 12),
      legend.position = "right",
      legend.direction = "vertical",
      plot.title = element_text(
        size = 22,
        face = "bold"
      )
    ) +
    ggplot2::scale_fill_manual("Good/Bad Loan",values=c("lightgreen","#CC6666"))
    
}

Below we plot the relationships between each predictor and the outcome of a good or bad loan. Variables that have the most variation in the ratios of good and bad loans we would expect to feature in the classification models.

cols <- base::colnames(dplyr::select(trainData_cat, -duration, -age, -creditAmount)) # getting all the column names but removing the continuous columns that have been binned.
cols <- cols[cols != "class"] # remove outcome column from list of column names
plots <- purrr::map(cols, plot_fun)
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CORELS

Prepare data for Corels

Using the recipes package in tidymodels we create a recipe that converts the three continuous value columns into categories, then convert each category into its own individual dummy 0/1 column.

# create the data preparation recipe
credit_recipe <-
  recipes::recipe(class ~ .,
    data = trainData
  ) %>%
  # 1 Apply the funModeling::discretize_rgr() cut points to continuous columns that maximise the information gain ratio on the training data only
  recipes::step_mutate(age = base::cut(age, breaks = c("-inf", age_cat_cuts, "inf"), right = FALSE, dig.lab = 10)) %>%
  recipes::step_mutate(duration = base::cut(duration, breaks = c("-inf", duration_cat_cuts, "inf"), right = FALSE, dig.lab = 10)) %>%
  recipes::step_mutate(creditAmount = base::cut(creditAmount, breaks = c("-inf", amount_cat_cuts, "inf"), right = FALSE, dig.lab = 10)) %>%
  # 2 ensure column values that are words do not have spaces. This will form better dummy column names that tidycorels needs where the value each dummy column represents is shown by a single delimiter (e.g. the underscore step_dummy creates)
  recipes::step_mutate_at(recipes::all_predictors(), fn = list(~ base::gsub(pattern = "_", replacement = ".", x = .))) %>%
  # 3 convert each value of each predictor into its own 0/1 binary column
  recipes::step_mutate_at(recipes::all_predictors(), fn = list(~ as.factor(.))) %>%
  recipes::step_dummy(recipes::all_predictors(), one_hot = TRUE) %>%
  # 4 convert each value of the outcome column into its own 0/1 binary column
  recipes::step_mutate_at(recipes::all_outcomes(), fn = list(~ as.factor(.))) %>% # step_dummy requires variable values to be factors
  recipes::step_dummy(recipes::all_outcomes(), one_hot = TRUE)

# Train the data preperation recipe on the training data
credit_recipe_trained <- recipes::prep(credit_recipe, 
                                       training = trainData,
                                       retain = TRUE)

# Extract the train data with recipe applied (juice), and the same recipe applied to the test data (bake) data
credit_train_preprocessed <- recipes::juice(credit_recipe_trained)
credit_test_preprocessed <- recipes::bake(credit_recipe_trained, 
                                          new_data = testData)

Run tidycorels

We can now run tidycorels::tidy_corels() function on the prepared training data. We could consider varying the regularization argument in corels. This value, “can be thought of as a penalty equivalent to misclassifying 1% of the data when increasing the length of a rule list by one association rule.” When the regulraization value is low many rules are created that could overfit to error in the training data. A higher value leads to fewer rules which may generalise better to unseen test data. Here we simply use the default value of 0.01 that leads to a small number of rules.

credit_train_model <-
  tidycorels::tidy_corels(
      df = credit_train_preprocessed,
      label_cols = c("class_X0", "class_X1"),
      value_delim = "_",
      run_bfs = TRUE,
      calculate_size = TRUE,
      run_curiosity = TRUE,
      regularization = 0.01, 
      curiosity_policy = 3
    )

The Human Readable Rules

Here are the Corels rules for predicting a good loan.

credit_train_model$corels_console_output[2:7]
#> [1] ""                                                        
#> [2] ""                                                        
#> [3] "OPTIMAL RULE LIST"                                       
#> [4] "if ({creditHistory:all.paid}) then ({class:X0})"         
#> [5] "else if ({checkingStatus:no.checking}) then ({class:X1})"
#> [6] "else if ({duration:X.36..Inf.}) then ({class:X0})"

And we can view the Corels rules as a D3 network sankey diagram when applied to the training data.

Sankey Plot of Corels Rules

networkD3::sankeyNetwork(# edges
                         Links = credit_train_model$sankey_edges_df, 
                         Value = "value", 
                         Source = "source",
                         Target = "target", 
                         # nodes
                         Nodes = credit_train_model$sankey_nodes_df, 
                         NodeID = "label",
                         # format
                         fontSize = 12, 
                         nodeWidth = 40,
                         sinksRight = TRUE
                         )

Network Plot of Corels Rules

And with some manipualation of the nodes and edges data, the rules can be viewed as a visNetwork visualisation.

rule_count <- base::nrow(credit_train_model$rule_performance_df)
# extract the rule order (or levels)
level <- credit_train_model$rule_performance_df %>% 
  dplyr::mutate(level = dplyr::row_number()) %>% 
  dplyr::rename(level_label = rule) %>% 
  dplyr::select(level_label,level)

# rename the edges
edges <- credit_train_model$sankey_edges_df %>% 
  dplyr::rename(from = source, to = target) %>% 
  dplyr::mutate(title = value)

# add the levels
nodes <- credit_train_model$sankey_nodes_df %>% 
  dplyr::rename(id = ID) %>% 
  dplyr::mutate(level_label = stringi::stri_trim_both(stringi::stri_sub(label,1,-4))) %>% 
  dplyr::left_join(level) %>% 
  dplyr::mutate(level = case_when(is.na(level) ~ as.numeric(rule_count),TRUE ~as.numeric(level))) %>% 
  dplyr::rename(title = level_label)

visNetwork::visNetwork(nodes, edges, width = "100%") %>% 
  visNetwork::visNodes(size = 12) %>% 
  visNetwork::visEdges(arrows = "to") %>% 
  visNetwork::visHierarchicalLayout(direction = "UD", 
                                    levelSeparation = 80) %>% 
  visNetwork::visInteraction(navigationButtons = TRUE) %>% 
  visNetwork::visOptions(highlightNearest = list(enabled = T, hover = T), 
                         nodesIdSelection = T,
                         collapse = TRUE)

Simple If-then-else Logic

A dataframe of just the true label, the columns used in the Corels rules, and the Corels predictions is returned. The columns have been ordered for you to work well in an alluvial plot.

p <- easyalluvial::alluvial_wide(credit_train_model$alluvial_df,
                                   NA_label = "not used",
                           col_vector_flow =c("#CC6666","lightgreen"),
                           auto_rotate_xlabs = FALSE) +
  ggplot2::labs(
    title = "Corels if-then-else logic applied to training data",
    subtitle = " From truth (target_X1) to Corels classification (corels_label)"
  ) + ggplot2::scale_x_discrete(guide = guide_axis(n.dodge=2))
p

## Stream Plot of Corels Rules

We can also create an interactive version of the alluvial plot.

parcats::parcats(p = p,
                 data_input = credit_train_model$alluvial_df,
                 marginal_histograms = FALSE,
                 hoveron = 'dimension',
                 hoverinfo = 'count',
                 labelfont = list(size = 11)
)

Corels performance on the testset

Next we use the function tidycorels::corels_predict() to apply the Corels rules created on the training data to the test data that has already been pre-processed using the recipe created on the training data.

credit_test_predict <-
  tidycorels::predict_corels(
    model = credit_train_model,
    new_df = credit_test_preprocessed
  )

We can now use the test data that has been labelled using the Corels rules and compare this to the true label to create a confusion matrix along with performance statistics.

corels_conf_matrix <-
  credit_test_predict$new_df_labelled %>%
  yardstick::conf_mat(
    truth = "class_X1",
    estimate = "corels_label"
  )

ggplot2::autoplot(corels_conf_matrix, "heatmap") + 
  labs(title = "Corels Classifications",
      caption = "The columns represent the actual classification and the rows the predicted classification.")

summary(corels_conf_matrix, 
        event_level = "second") %>% 
  dplyr:::mutate(.estimate = round(.estimate, digits = 3)) %>%
  dplyr::select(.metric, .estimate) %>%
  dplyr::filter(.metric %in% c("accuracy","bal_accuracy","precision", "recall", "f_meas")) %>%
  dplyr::mutate(.estimate = formattable::color_tile("white", "orange")(.estimate)) %>%
  kableExtra::kable(escape = F,
                   caption = "Corels Test data Performance") %>%
  kableExtra::kable_styling("hover", full_width = F)

Corels Test data Performance

.metric	.estimate
accuracy	0.770
bal_accuracy	0.639
precision	0.804
recall	0.912
f_meas	0.854

Because, “It is worse to class a customer as good when they are bad (5), than it is to class a customer as bad when they are good (1).” (see), precision is a useful metric. It measures the proportion of True Positives (135 labelled good loans that were actually good), out of the True Positives plus False Positives (33 labelled good loans that were actually bad). This is the bottom row of the confusion matrix: 135 / (33 + 135) = 0.804.

By inspecting the alluvial plot on test data we can easily see where and why the rules have succeeded or failed to label the unseen test data correctly.

p <- credit_test_predict$alluvial_df %>%
  easyalluvial::alluvial_wide(stratum_width = 0.2,
                              NA_label = "not used",
                           col_vector_flow =c("#CC6666","lightgreen")) +
  ggplot2::theme_minimal() +
  ggplot2::labs(
    title = "Corels if-then-else logic applied to test data",
    subtitle = " From truth (far left column) to Corels classification (far right column)"
  ) + ggplot2::scale_x_discrete(guide = guide_axis(n.dodge=2))
p

We can also create an interactive version of the alluvial plot.

parcats::parcats(p = p,
                 data_input = credit_test_predict$alluvial_df,
                 marginal_histograms = FALSE,
                 hoveron = 'dimension',
                 hoverinfo = 'count',
                 labelfont = list(size = 11)
)

A data frame of the performance of each rule is also provided. This shows us that one of the weaker rules is creditHistory_no.credits.all.paid.

credit_test_predict$rule_performance_df %>% 
  dplyr::mutate(rule_perc_correct = round(rule_perc_correct,1)) %>% 
  dplyr::mutate(rule_perc_correct = formattable::color_tile("white", "orange")(rule_perc_correct)) %>%
  dplyr::mutate(rule_fire_count = formattable::color_tile("white", "lightblue")(rule_fire_count)) %>%
  kableExtra::kable(escape = F,
                   caption = "Corels Performance for each rule in order") %>%
  kableExtra::kable_styling("hover", full_width = F)

Corels Performance for each rule in order

rule	rule_fire_count	rule_correct	rule_perc_correct
creditHistory_all.paid	12	5	41.7
checkingStatus_no.checking	78	74	94.9
duration_X.36..Inf.	20	14	70.0
else	90	61	67.8

If we examine rule success on the training data the weaker creditHistory_no.credits.all.paid does perform better in the training data. However, we usually cannot use test data to improve a classifier without risking overfitting (though one option would be to use all of the data to build Corels rules with cross validation).

credit_train_model$rule_performance_df %>% 
  dplyr::mutate(rule_perc_correct = round(rule_perc_correct,1)) %>% 
  dplyr::mutate(rule_perc_correct = formattable::color_tile("white", "orange")(rule_perc_correct)) %>%
  dplyr::mutate(rule_fire_count = formattable::color_tile("white", "lightblue")(rule_fire_count)) %>%
  kableExtra::kable(escape = F,
                   caption = "Corels Performance for each rule in order") %>%
  kableExtra::kable_styling("hover", full_width = F)

Corels Performance for each rule in order

rule	rule_fire_count	rule_correct	rule_perc_correct
creditHistory_all.paid	37	23	62.2
checkingStatus_no.checking	307	267	87.0
duration_X.36..Inf.	86	52	60.5
else	370	237	64.1

XGBboost

Next we try XGBoost that is a Gradient Boosting Method:

“GBMs build an ensemble of shallow trees in sequence with each tree learning and improving on the previous one. Although shallow trees by themselves are rather weak predictive models, they can be “boosted” to produce a powerful “committee” that, when appropriately tuned, is often hard to beat with other algorithms.” From “Hands on Machine Learning with R”

All of the modelling steps below are adapated from the excellent tidymodels with drake.

Data recipe

In the data recipe only the categorical columns are one-hot encoded into one column per value.

xgb_pre_proc <-
  recipes::recipe(class ~ ., data = trainData) %>%
  recipes::step_dummy(recipes::all_nominal(),-recipes::all_outcomes(),one_hot = TRUE)

Define model and its parameters

Here we define which boost tree parameters will be tuned later and which we fix.

xgb_mod <-
  parsnip::boost_tree(
    mtry = tune::tune(),
    trees = 500,
    min_n = tune::tune(),
    tree_depth = tune::tune(),
    learn_rate = 0.01,
    sample_size = tune::tune()
  ) %>%
  parsnip::set_mode("classification") %>%
  parsnip::set_engine("xgboost")

Add recipe and model to a workflow

The workflow is therefore the data preparation recipe and the model specification (including its type and which parameters are to be tuned later).

xgb_wflow <-
  workflows::workflow() %>%
  workflows::add_recipe(xgb_pre_proc) %>%
  workflows::add_model(xgb_mod)

Define model parameters

Let’s now define the parameters by looking at the workflow

xgb_wflow %>%
  dials::parameters()
#> Collection of 4 parameters for tuning
#> 
#>   identifier        type    object
#>         mtry        mtry nparam[?]
#>        min_n       min_n nparam[+]
#>   tree_depth  tree_depth nparam[+]
#>  sample_size sample_size nparam[+]
#> 
#> Model parameters needing finalization:
#>    # Randomly Selected Predictors ('mtry')
#> 
#> See `?dials::finalize` or `?dials::update.parameters` for more information.

mtry is the number of predictors that will be randomly sampled at each split when creating the tree models. This is set to range between 40% of the features to all of the features.

feat_count <- ncol(xgb_pre_proc %>%
  recipes::prep() %>%
  recipes::juice() %>%
  dplyr::select(-class))

mtry_min <- base::floor(feat_count * 0.4)

xgb_params <-
  xgb_wflow %>%
  dials::parameters() %>%
  stats::update(
    mtry = dials::mtry(range = c(mtry_min, feat_count)),
    sample_size = dials::sample_prop(c(0.5, 1)),
    tree_depth = dials::tree_depth(range = c(4L, 10L))
  )

Now that the range of the parameters has been set, a grid of possible values between those ranges can be created with dials::grid_max_entropy(), “to construct parameter grids that try to cover the parameter space such that any portion of the space has an observed combination that is not too far from it.”

set.seed(1645)

xgb_grid <-
  xgb_params %>%
  dials::grid_max_entropy(size = 10) %>%
  dplyr::mutate(sample_size = as.double(sample_size))

xgb_grid
#> # A tibble: 10 × 4
#>     mtry min_n tree_depth sample_size
#>    <int> <int>      <int>       <dbl>
#>  1    35    40          8       0.854
#>  2    59     5          6       0.625
#>  3    27     5          4       0.998
#>  4    27    35          7       0.601
#>  5    49    37          6       0.548
#>  6    40    26          9       0.678
#>  7    31    35          5       0.856
#>  8    32     8          8       0.581
#>  9    36    10          9       0.837
#> 10    47    13          4       0.524

Tune XGBoost model

We can now tune the model by searching the grid of parameters.

tune_xgb_grid <-
  tune::tune_grid(xgb_wflow,
    resamples = folds,
    grid = xgb_grid,
    param_info = xgb_params,
    metrics = yardstick::metric_set(yardstick::roc_auc),
    control = tune::control_grid(
      verbose = TRUE,
      save_pred = TRUE
    )
  )

tune_xgb_grid
#> # Tuning results
#> # 5-fold cross-validation 
#> # A tibble: 5 × 5
#>   splits            id    .metrics          .notes           .predictions
#>   <list>            <chr> <list>            <list>           <list>      
#> 1 <split [640/160]> Fold1 <tibble [10 × 8]> <tibble [0 × 3]> <tibble>    
#> 2 <split [640/160]> Fold2 <tibble [10 × 8]> <tibble [0 × 3]> <tibble>    
#> 3 <split [640/160]> Fold3 <tibble [10 × 8]> <tibble [0 × 3]> <tibble>    
#> 4 <split [640/160]> Fold4 <tibble [10 × 8]> <tibble [0 × 3]> <tibble>    
#> 5 <split [640/160]> Fold5 <tibble [10 × 8]> <tibble [0 × 3]> <tibble>

Tune with iterative Bayesian optimisation

“..iterative search can be used to analyze the existing tuning parameter results and then predict which tuning parameters to try next.” see

set.seed(1600)

xgb_bayes_tune <-
  tune::tune_bayes(xgb_wflow,
    resamples = folds,
    iter = 5L,
    param_info = xgb_params,
    metrics = yardstick::metric_set(yardstick::roc_auc),
    initial = tune_xgb_grid,
    control = tune::control_bayes(
      verbose = TRUE,
      save_pred = TRUE,
      no_improve = 5L
    )
  )

Select best model parameters

We can select the hyperparameters giving the best results with tune::select_best() according to our chosen metric (area under the ROC curve).

best_xgb <- 
  xgb_bayes_tune %>%
  tune::select_best(metric = "roc_auc")

best_xgb
#> # A tibble: 1 × 5
#>    mtry min_n tree_depth sample_size .config
#>   <int> <int>      <int>       <dbl> <chr>  
#> 1    28     2          8       0.500 Iter5

We now use tune::finalize_workflow() to generate a workflow object that adds the best performing model.

best_xgb_wfl <-
  tune::finalize_workflow(xgb_wflow,
    parameters = best_xgb
  )
best_xgb_wfl
#> ══ Workflow ════════════════════════════════════════════════════════════════════
#> Preprocessor: Recipe
#> Model: boost_tree()
#> 
#> ── Preprocessor ────────────────────────────────────────────────────────────────
#> 1 Recipe Step
#> 
#> • step_dummy()
#> 
#> ── Model ───────────────────────────────────────────────────────────────────────
#> Boosted Tree Model Specification (classification)
#> 
#> Main Arguments:
#>   mtry = 28
#>   trees = 500
#>   min_n = 2
#>   tree_depth = 8
#>   learn_rate = 0.01
#>   sample_size = 0.500337002937589
#> 
#> Computational engine: xgboost

And then generate a fitted model from that workflow on the training data.

final_fit <-
  best_xgb_wfl %>%
  parsnip::fit(data = trainData)

final_fit
#> ══ Workflow [trained] ══════════════════════════════════════════════════════════
#> Preprocessor: Recipe
#> Model: boost_tree()
#> 
#> ── Preprocessor ────────────────────────────────────────────────────────────────
#> 1 Recipe Step
#> 
#> • step_dummy()
#> 
#> ── Model ───────────────────────────────────────────────────────────────────────
#> ##### xgb.Booster
#> raw: 1001.2 Kb 
#> call:
#>   xgboost::xgb.train(params = list(eta = 0.01, max_depth = 8L, 
#>     gamma = 0, colsample_bytree = 1, colsample_bynode = 0.459016393442623, 
#>     min_child_weight = 2L, subsample = 0.500337002937589, objective = "binary:logistic"), 
#>     data = x$data, nrounds = 500, watchlist = x$watchlist, verbose = 0, 
#>     nthread = 1)
#> params (as set within xgb.train):
#>   eta = "0.01", max_depth = "8", gamma = "0", colsample_bytree = "1", colsample_bynode = "0.459016393442623", min_child_weight = "2", subsample = "0.500337002937589", objective = "binary:logistic", nthread = "1", validate_parameters = "TRUE"
#> xgb.attributes:
#>   niter
#> callbacks:
#>   cb.evaluation.log()
#> # of features: 61 
#> niter: 500
#> nfeatures : 61 
#> evaluation_log:
#>     iter training_logloss
#>        1        0.6893940
#>        2        0.6858475
#> ---                      
#>      499        0.2958099
#>      500        0.2954935

Variable importance

The {vip} package provides variable importance plots. Further methods are well described in the Interpretable machine learning book.

final_fit %>%
  workflows::extract_fit_parsnip() %>%
  vip::vip(
    geom = "col",
    num_features = 12L,
    include_type = TRUE
  )

XGBoost performance on training set

First we plot the ROC curve for all cut points of the probability of a good loan.

xgb_train_preds <- final_fit %>%
  stats::predict(
    new_data = trainData,
    type = "prob"
  ) %>%
  dplyr::bind_cols(trainData %>% dplyr::select(class))

# Generate the full ROC curve
xgb_train_preds$class <- as.factor(xgb_train_preds$class)
xgb_roc_curve <- yardstick::roc_curve(xgb_train_preds,
  truth = class,
  .pred_1,
  event_level = 'second'
)

# Get the AUC value and plot the curve
tune::autoplot(xgb_roc_curve) +
  labs(
    title = sprintf(
      "AUC for XGBoost model on train set: %.2f",
      yardstick::roc_auc(xgb_train_preds,
        truth = class,
        .pred_1,
        event_level = 'second'
      ) %>%
        dplyr::pull(.estimate)
    )
  )

To create a confusion matrix requires we select a cut off in the probability to label each record. We use pROC::coords from the pROC package to select the best threshold.

# calculate best threshold for classification label
my_roc <- pROC::roc(
  predictor = xgb_train_preds$.pred_1,
  response = xgb_train_preds$class
)
threshold <- pROC::coords(my_roc, "best", ret = "threshold", transpose = TRUE) %>%
  as.double()

xgb_train_preds <-
  xgb_train_preds %>%
  dplyr::mutate(.pred_class = dplyr::case_when(
    .pred_1 >= threshold ~ 1,
    TRUE ~ 0
  )) %>%
  dplyr::mutate(.pred_class = as.factor(.pred_class))

# confusion matrix
cmat_train <- yardstick::conf_mat(xgb_train_preds,
  truth = "class",
  estimate = ".pred_class"
)

ggplot2::autoplot(cmat_train, "heatmap")

The confusion matrix can be used to generate the performance statistics below. All metrics are impressively high on the training data and superior to Corels. However, this could be due to overfitting. We can now use the test data to test for over fitting.

summary(cmat_train, 
        event_level = "second") %>% 
  dplyr:::mutate(.estimate = round(.estimate, digits = 3)) %>%
  dplyr::select(.metric, .estimate) %>%
  dplyr::filter(.metric %in% c("accuracy","bal_accuracy","precision", "recall", "f_meas")) %>%
  dplyr::mutate(.estimate = formattable::color_tile("white", "orange")(.estimate)) %>%
  kableExtra::kable(escape = F,
                   caption = "Corels Test data Performance") %>%
  kableExtra::kable_styling("hover", full_width = F)

Corels Test data Performance

.metric	.estimate
accuracy	0.912
bal_accuracy	0.908
precision	0.951
recall	0.920
f_meas	0.936

XGBoost performance on test

In contrast to the training data, the test set performance is much lower for all metrics.

An important evaluation metric is precision. This is because incorrectly labelling bad loans as good has the greatest cost.

xgb_test_preds <- final_fit %>%
  stats::predict(
    new_data = testData,
    type = "prob"
  ) %>%
  dplyr::bind_cols(testData %>% dplyr::select(class))

xgb_test_preds <-
  xgb_test_preds %>%
  dplyr::mutate(.pred_class = dplyr::case_when(
    .pred_1 >= threshold ~ 1,
    TRUE ~ 0
  )) %>%
  dplyr::mutate(.pred_class = as.factor(.pred_class))

# Generate the full ROC curve
xgb_test_preds$class <- as.factor(xgb_test_preds$class)
xgb_roc_curve <- yardstick::roc_curve(xgb_test_preds,
  truth = class,
  .pred_1,
  event_level = 'second'
)

# Get the AUC value and plot the curve
tune::autoplot(xgb_roc_curve) +
  labs(
    title = sprintf(
      "AUC for XGBoost model on test set: %.2f",
      yardstick::roc_auc(xgb_test_preds,
        truth = class,
        .pred_1,
        event_level = 'second'
      ) %>%
        dplyr::pull(.estimate)
    )
  )

# confusion matrix
xgb_cmat_test <- yardstick::conf_mat(xgb_test_preds,
  truth = "class",
  estimate = ".pred_class"
)

ggplot2::autoplot(xgb_cmat_test, "heatmap")

summary(xgb_cmat_test, 
        event_level = "second") %>% 
  dplyr:::mutate(.estimate = round(.estimate, digits = 3)) %>%
  dplyr::select(.metric, .estimate) %>%
  dplyr::filter(.metric %in% c("accuracy","bal_accuracy","precision", "recall", "f_meas")) %>%
  dplyr::mutate(.estimate = formattable::color_tile("white", "orange")(.estimate)) %>%
  kableExtra::kable(escape = F,
                   caption = "Corels Test data Performance") %>%
  kableExtra::kable_styling("hover", full_width = F)

Corels Test data Performance

.metric	.estimate
accuracy	0.790
bal_accuracy	0.740
precision	0.868
recall	0.845
f_meas	0.856

XGBoost underlying complex rules

The tidypredict package..

…reads the model, extracts the components needed to calculate the prediction, and then creates an R formula that can be translated into SQL

Then tidypredict::tidypredict_fit() is used to return the formula in R dplyr::case_when() code required to re-create the classification of the XGBoost model. Note how complex this formula is in contrast to the simple Corels rules.

tidypredict::tidypredict_fit(final_fit$fit$fit)
#> 1 - 1/(1 + exp(0 + case_when(checkingStatus_X..200 >= 0.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.0120000001, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0138461543, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00285714283, installmentCommitment >= 3.5 & otherPaymentPlans_bank >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00857142825, 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0177981649, (duration < 16.5 | is.na(duration)) & 
#>         employment_X.1 >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0138461543, duration >= 16.5 & employment_X.1 >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00461538462, duration >= 
#>         27 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00333333341, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (duration < 15.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0133333337, 
#>     creditHistory_existing.paid >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00526315812, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0, job_skilled >= 0.5 & duration >= 15.5 & savingsStatus_X.100 >= 
#>         0.5 & propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00666666683, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         creditHistory_delayed.previously >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0133333337, installmentCommitment >= 3.5 & creditHistory_delayed.previously >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00249999994, (housing_own < 
#>         0.5 | is.na(housing_own)) & (duration < 27 | is.na(duration)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00461538462, housing_own >= 0.5 & (duration < 27 | 
#>         is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0127272718, creditAmount >= 7633.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00571428565, (age < 28.5 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00666666683, age >= 28.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00153846154, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0145454546, (age < 24.5 | is.na(age)) & (creditAmount < 
#>         7633.5 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0, age >= 24.5 & (creditAmount < 7633.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0142857144, (age < 27.5 | is.na(age)) & housing_own >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0, age >= 27.5 & housing_own >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>         2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00962962955, (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & ownTelephone_yes >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0142857144, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         ownTelephone_yes >= 0.5 & installmentCommitment >= 2.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00333333341, (age < 35 | is.na(age)) & savingsStatus_X.100 >= 
#>         0.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00285714283, age >= 35 & savingsStatus_X.100 >= 0.5 & 
#>         ownTelephone_yes >= 0.5 & installmentCommitment >= 2.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0076923077) + case_when(creditAmount >= 10719 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00890623219, creditHistory_all.paid >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.0085452171, purpose_radio.tv >= 
#>     0.5 & otherPaymentPlans_bank >= 0.5 & (creditAmount < 10719 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0149715031, creditAmount >= 5261.5 & (job_skilled < 0.5 | 
#>     is.na(job_skilled)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00248114555, (age < 24.5 | 
#>     is.na(age)) & job_skilled >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0105696619, creditHistory_delayed.previously >= 0.5 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (creditAmount < 10719 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00729927234, duration >= 
#>     33 & checkingStatus_X0..X.200 >= 0.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 10719 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00281692552, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & otherPaymentPlans_bank >= 
#>     0.5 & (creditAmount < 10719 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00480851578, (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>     5261.5 | is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00220106379, propertyMagnitude_life.insurance >= 
#>     0.5 & (creditAmount < 5261.5 | is.na(creditAmount)) & (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.0114245098, (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (creditAmount < 10719 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0173452068, otherPaymentPlans_stores >= 
#>     0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (creditAmount < 10719 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00488801533, (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) & (duration < 33 | is.na(duration)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 10719 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00393040571, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     existingCredits >= 1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     otherPaymentPlans_bank >= 0.5 & (creditAmount < 10719 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0107349688, installmentCommitment >= 2.5 & existingCredits >= 
#>     1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     otherPaymentPlans_bank >= 0.5 & (creditAmount < 10719 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00151414541, (creditAmount < 1925 | is.na(creditAmount)) & 
#>     (duration < 16.5 | is.na(duration)) & age >= 24.5 & job_skilled >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.011408871, creditAmount >= 
#>     1925 & (duration < 16.5 | is.na(duration)) & age >= 24.5 & 
#>     job_skilled >= 0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0015887185, employment_X1..X.4 >= 
#>     0.5 & duration >= 16.5 & age >= 24.5 & job_skilled >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0107434448, (housing_own < 
#>     0.5 | is.na(housing_own)) & installmentCommitment >= 1.5 & 
#>     (duration < 33 | is.na(duration)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (creditAmount < 10719 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00567910494, housing_own >= 
#>     0.5 & installmentCommitment >= 1.5 & (duration < 33 | is.na(duration)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 10719 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0161177181, (creditAmount < 3109 | is.na(creditAmount)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     duration >= 16.5 & age >= 24.5 & job_skilled >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00396830263, creditAmount >= 3109 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & duration >= 16.5 & age >= 
#>     24.5 & job_skilled >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00442084484) + case_when(savingsStatus_X100..X.500 >= 0.5 & 
#>     (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00773676578, 
#>     creditAmount >= 6532.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0020588804, (age < 39.5 | is.na(age)) & otherPaymentPlans_bank >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00405195542, 
#>     age >= 39.5 & otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0113786608, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 2318 | is.na(creditAmount)) & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.01294294, purpose_radio.tv >= 0.5 & (creditAmount < 
#>         2318 | is.na(creditAmount)) & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00462748762, 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (creditAmount < 6532.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.017727213, job_high.qualif.self.emp.mgmt >= 
#>         0.5 & (creditAmount < 6532.5 | is.na(creditAmount)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00866002683, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0147403097, 
#>     propertyMagnitude_car >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00651755137, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 2318 & 
#>         duration >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.0124933692, residenceSince >= 
#>         3.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 2318 & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00598367676, 
#>     duration >= 47.5 & savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>         2318 & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0123835271, 
#>     purpose_furniture.equipment >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0138002476, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         duration >= 16.5 & checkingStatus_X.0 >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00568312453, 
#>     purpose_furniture.equipment >= 0.5 & duration >= 16.5 & checkingStatus_X.0 >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00157333771, 
#>     checkingStatus_X0..X.200 >= 0.5 & (duration < 47.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 2318 & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00529666711, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (duration < 16.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00183054025, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (duration < 
#>         16.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0113168787, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (duration < 
#>         47.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         creditAmount >= 2318 & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -1.41219707e-05, 
#>     ownTelephone_none >= 0.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (duration < 47.5 | 
#>         is.na(duration)) & savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>         2318 & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00795791112) + 
#>     case_when(savingsStatus_no.known.savings >= 0.5 & creditAmount >= 
#>         6686 ~ -0.00489094388, (age < 29.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         6686 ~ 0.0141924256, checkingStatus_no.checking >= 0.5 & 
#>         (age < 29.5 | is.na(age)) & (duration < 15.5 | is.na(duration)) & 
#>         (creditAmount < 6686 | is.na(creditAmount)) ~ -0.0121939108, 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             age >= 29.5 & (duration < 15.5 | is.na(duration)) & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -0.00648699747, 
#>         otherPaymentPlans_none >= 0.5 & age >= 29.5 & (duration < 
#>             15.5 | is.na(duration)) & (creditAmount < 6686 | 
#>             is.na(creditAmount)) ~ -0.016448684, duration >= 
#>             45 & creditAmount >= 2627 & duration >= 15.5 & (creditAmount < 
#>             6686 | is.na(creditAmount)) ~ 0.00499075046, (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 & (savingsStatus_no.known.savings < 0.5 | 
#>             is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             6686 ~ -0.00496994518, propertyMagnitude_no.known.property >= 
#>             0.5 & age >= 29.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             6686 ~ 0.00927218981, residenceSince >= 2.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             29.5 | is.na(age)) & (duration < 15.5 | is.na(duration)) & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -0.00844632462, 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditAmount < 2627 | 
#>             is.na(creditAmount)) & duration >= 15.5 & (creditAmount < 
#>             6686 | is.na(creditAmount)) ~ 0.0144422697, ownTelephone_yes >= 
#>             0.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             2627 | is.na(creditAmount)) & duration >= 15.5 & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -1.43993593e-05, 
#>         creditHistory_no.credits.all.paid >= 0.5 & (duration < 
#>             45 | is.na(duration)) & creditAmount >= 2627 & duration >= 
#>             15.5 & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             0.00772584183, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (age < 29.5 | is.na(age)) & (duration < 15.5 | is.na(duration)) & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -0.00483336626, 
#>         employment_X1..X.4 >= 0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (age < 29.5 | is.na(age)) & (duration < 15.5 | is.na(duration)) & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ 0.00403598696, 
#>         (duration < 19.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             2627 | is.na(creditAmount)) & duration >= 15.5 & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -0.00442554103, 
#>         duration >= 19.5 & (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             2627 | is.na(creditAmount)) & duration >= 15.5 & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ 0.00359054236, 
#>         (duration < 21.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 2627 | is.na(creditAmount)) & duration >= 
#>             15.5 & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.00196503964, duration >= 21.5 & checkingStatus_no.checking >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 2627 | is.na(creditAmount)) & duration >= 
#>             15.5 & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.0133316051, (purpose_furniture.equipment < 0.5 | 
#>             is.na(purpose_furniture.equipment)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (duration < 45 | is.na(duration)) & creditAmount >= 
#>             2627 & duration >= 15.5 & (creditAmount < 6686 | 
#>             is.na(creditAmount)) ~ -0.0153030129, (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & purpose_furniture.equipment >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>             45 | is.na(duration)) & creditAmount >= 2627 & duration >= 
#>             15.5 & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.00744378334, checkingStatus_X.0 >= 0.5 & purpose_furniture.equipment >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>             45 | is.na(duration)) & creditAmount >= 2627 & duration >= 
#>             15.5 & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.00134493795) + case_when((creditAmount < 4367.5 | 
#>     is.na(creditAmount)) & checkingStatus_no.checking >= 0.5 ~ 
#>     -0.0150954006, existingCredits >= 1.5 & creditAmount >= 6758.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.00127943675, employment_X1..X.4 >= 0.5 & creditAmount >= 
#>     4367.5 & checkingStatus_no.checking >= 0.5 ~ 0.00588577101, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         purpose_new.car >= 0.5 & (creditAmount < 6758.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00930873863, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & creditAmount >= 
#>         6758.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00455518486, housing_own >= 0.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 6758.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0123843644, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 4367.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00130214542, personalStatus_male.single >= 0.5 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 4367.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0120876431, creditAmount >= 3024 & (housing_own < 
#>         0.5 | is.na(housing_own)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditAmount < 6758.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00529617537, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         housing_own >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditAmount < 6758.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0143455872, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         personalStatus_male.single >= 0.5 & purpose_new.car >= 
#>         0.5 & (creditAmount < 6758.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00777997216, otherPaymentPlans_none >= 0.5 & personalStatus_male.single >= 
#>         0.5 & purpose_new.car >= 0.5 & (creditAmount < 6758.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00708885817, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (creditAmount < 
#>         3024 | is.na(creditAmount)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         6758.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0136374319, 
#>     (creditAmount < 2028 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & (creditAmount < 3024 | is.na(creditAmount)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditAmount < 6758.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00444032345, creditAmount >= 2028 & ownTelephone_none >= 
#>         0.5 & (creditAmount < 3024 | is.na(creditAmount)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditAmount < 6758.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00155097467, (creditAmount < 1004.5 | is.na(creditAmount)) & 
#>         (duration < 16.5 | is.na(duration)) & otherParties_none >= 
#>         0.5 & housing_own >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditAmount < 6758.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00199281075, 
#>     creditAmount >= 1004.5 & (duration < 16.5 | is.na(duration)) & 
#>         otherParties_none >= 0.5 & housing_own >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditAmount < 6758.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0165235065, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 2138 | is.na(creditAmount)) & duration >= 
#>         16.5 & otherParties_none >= 0.5 & housing_own >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         6758.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00156983407, 
#>     checkingStatus_X.0 >= 0.5 & (creditAmount < 2138 | is.na(creditAmount)) & 
#>         duration >= 16.5 & otherParties_none >= 0.5 & housing_own >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditAmount < 6758.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00755474251, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         creditAmount >= 2138 & duration >= 16.5 & otherParties_none >= 
#>         0.5 & housing_own >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditAmount < 6758.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0109286187, 
#>     purpose_furniture.equipment >= 0.5 & creditAmount >= 2138 & 
#>         duration >= 16.5 & otherParties_none >= 0.5 & housing_own >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditAmount < 6758.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000814706204) + 
#>     case_when(duration >= 31.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00909622852, creditHistory_delayed.previously >= 0.5 & 
#>         checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00792245474, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & savingsStatus_X100..X.500 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.000113616705, residenceSince >= 2.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00397453411, purpose_used.car >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.0136807989, propertyMagnitude_real.estate >= 
#>         0.5 & purpose_new.car >= 0.5 & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.0105601009, (housing_own < 
#>         0.5 | is.na(housing_own)) & (duration < 22 | is.na(duration)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00372950779, savingsStatus_no.known.savings >= 0.5 & 
#>         duration >= 22 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.012386702, (age < 23.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00718848081, age >= 23.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0168644749, (age < 35.5 | is.na(age)) & otherPaymentPlans_bank >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00140637055, age >= 
#>         35.5 & otherPaymentPlans_bank >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00748452637, creditAmount >= 2912 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.00290970807, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & purpose_new.car >= 
#>         0.5 & (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00124791369, ownTelephone_none >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & purpose_new.car >= 
#>         0.5 & (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.0128537649, (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & housing_own >= 0.5 & 
#>         (duration < 22 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00403347332, checkingStatus_X0..X.200 >= 
#>         0.5 & housing_own >= 0.5 & (duration < 22 | is.na(duration)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0125504155, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 22 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00195019343, employment_X..7 >= 0.5 & (creditAmount < 
#>         2912 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.0127780931, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         installmentCommitment >= 2.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         22 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00660423841, ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         2.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 22 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.000109511842, purpose_furniture.equipment >= 0.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (creditAmount < 
#>         2912 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00816882309, (age < 29 | is.na(age)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (creditAmount < 2912 | 
#>         is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (duration < 
#>         31.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.00451830216, age >= 29 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (creditAmount < 2912 | 
#>         is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (duration < 
#>         31.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00462955423) + case_when((creditAmount < 800.5 | is.na(creditAmount)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00514121959, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & propertyMagnitude_no.known.property >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00194262713, ownTelephone_none >= 
#>     0.5 & propertyMagnitude_no.known.property >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0122678708, (duration < 16.5 | is.na(duration)) & 
#>     (creditAmount < 2365 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0123361778, duration >= 
#>     16.5 & (creditAmount < 2365 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.000995645416, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>     2365 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00754549773, checkingStatus_no.checking >= 0.5 & creditAmount >= 
#>     2365 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00621320307, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     creditAmount >= 6721 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00272524683, checkingStatus_no.checking >= 
#>     0.5 & creditAmount >= 6721 & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00550642656, (duration < 16.5 | is.na(duration)) & creditAmount >= 
#>     800.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.0144786602, (age < 23.5 | 
#>     is.na(age)) & checkingStatus_no.checking >= 0.5 & (creditAmount < 
#>     6721 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00513987662, (creditAmount < 2346 | is.na(creditAmount)) & 
#>     duration >= 16.5 & creditAmount >= 800.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00978843775, (housing_own < 0.5 | is.na(housing_own)) & 
#>     (duration < 16.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6721 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00125416555, (creditAmount < 2632.5 | is.na(creditAmount)) & 
#>     duration >= 16.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditAmount < 6721 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000873855548, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     age >= 23.5 & checkingStatus_no.checking >= 0.5 & (creditAmount < 
#>     6721 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0169917755, job_unskilled.resident >= 0.5 & age >= 23.5 & 
#>     checkingStatus_no.checking >= 0.5 & (creditAmount < 6721 | 
#>     is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00875723176, creditAmount >= 
#>     5040.5 & creditAmount >= 2346 & duration >= 16.5 & creditAmount >= 
#>     800.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00275947573, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & housing_own >= 0.5 & (duration < 
#>     16.5 | is.na(duration)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & (creditAmount < 6721 | 
#>     is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0161403194, employment_X1..X.4 >= 
#>     0.5 & housing_own >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditAmount < 6721 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.006210953, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     creditAmount >= 2632.5 & duration >= 16.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6721 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0133050615, employment_X1..X.4 >= 0.5 & creditAmount >= 
#>     2632.5 & duration >= 16.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6721 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000211094346, (duration < 25.5 | is.na(duration)) & (creditAmount < 
#>     5040.5 | is.na(creditAmount)) & creditAmount >= 2346 & duration >= 
#>     16.5 & creditAmount >= 800.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0113113988, duration >= 25.5 & (creditAmount < 5040.5 | 
#>     is.na(creditAmount)) & creditAmount >= 2346 & duration >= 
#>     16.5 & creditAmount >= 800.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00146965601) + case_when(creditAmount >= 3932 & 
#>     (duration < 17 | is.na(duration)) ~ 0.00606941525, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditAmount < 3932 | 
#>     is.na(creditAmount)) & (duration < 17 | is.na(duration)) ~ 
#>     -0.0170010161, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     (creditAmount < 2242 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & duration >= 17 ~ 
#>     0.014805994, existingCredits >= 1.5 & (creditAmount < 2242 | 
#>     is.na(creditAmount)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & duration >= 17 ~ 0.00272624125, 
#>     savingsStatus_no.known.savings >= 0.5 & creditAmount >= 2242 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ -0.0140870195, (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & checkingStatus_no.checking >= 
#>         0.5 & duration >= 17 ~ -0.0152720623, otherPaymentPlans_bank >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         checkingStatus_no.checking >= 0.5 & duration >= 17 ~ 
#>         -0.00233671768, (duration < 25.5 | is.na(duration)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & duration >= 17 ~ -0.0075447713, duration >= 25.5 & 
#>         personalStatus_female.div.dep.mar >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & duration >= 17 ~ 0.00485975854, creditAmount >= 
#>         1370 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 3932 | 
#>         is.na(creditAmount)) & (duration < 17 | is.na(duration)) ~ 
#>         -0.011148517, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_no.checking >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditAmount < 3932 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) ~ -0.00677301269, job_skilled >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditAmount < 3932 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) ~ -0.0149952099, employment_X.1 >= 
#>         0.5 & (creditAmount < 1370 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 3932 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) ~ 0.00429133326, housing_rent >= 
#>         0.5 & (creditAmount < 3914 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         2242 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ 0.00505315606, installmentCommitment >= 
#>         2.5 & creditAmount >= 3914 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         2242 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ 0.0103721637, (age < 27.5 | is.na(age)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditAmount < 
#>         1370 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 3932 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) ~ -0.0104854889, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 2242 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.0122450739, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3914 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         2242 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ -0.00459641544, (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & age >= 27.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 1370 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 3932 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) ~ 0.00426858664, existingCredits >= 
#>         1.5 & age >= 27.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditAmount < 1370 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 3932 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) ~ -0.00804638863, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & ownTelephone_none >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (creditAmount < 
#>         3914 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         2242 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ -0.0105213653, purpose_furniture.equipment >= 
#>         0.5 & ownTelephone_none >= 0.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 2242 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00582199683, (duration < 25.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & creditAmount >= 
#>         3914 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 2242 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00145401224, duration >= 25.5 & savingsStatus_X.100 >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3914 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         2242 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ 0.00395564176) + case_when((creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.0144200595, creditHistory_delayed.previously >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.0060320762, 
#>     installmentCommitment >= 3.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00992746279, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00480122631, 
#>     existingCredits >= 1.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.002511414, 
#>     (creditAmount < 2487.5 | is.na(creditAmount)) & residenceSince >= 
#>         3.5 & (duration < 22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0127213281, 
#>     creditAmount >= 2487.5 & residenceSince >= 3.5 & (duration < 
#>         22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00132739672, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         existingCredits >= 1.5 & duration >= 22.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00984826777, 
#>     savingsStatus_X.100 >= 0.5 & existingCredits >= 1.5 & duration >= 
#>         22.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00112962723, purpose_radio.tv >= 0.5 & (creditAmount < 
#>         1373 | is.na(creditAmount)) & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & (duration < 22.5 | is.na(duration)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0102740703, propertyMagnitude_life.insurance >= 0.5 & 
#>         creditAmount >= 1373 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (duration < 22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00371924997, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (creditAmount < 
#>         3533 | is.na(creditAmount)) & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & duration >= 22.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0108182169, 
#>     purpose_radio.tv >= 0.5 & (creditAmount < 3533 | is.na(creditAmount)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & duration >= 
#>         22.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00139003189, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 3533 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         duration >= 22.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00147399632, 
#>     employment_X1..X.4 >= 0.5 & creditAmount >= 3533 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & duration >= 22.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00548750861, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 1373 | 
#>         is.na(creditAmount)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (duration < 22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000241553425, 
#>     job_skilled >= 0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (duration < 22.5 | is.na(duration)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0113195693, (duration < 16.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1373 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (duration < 22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0138239199, 
#>     duration >= 16.5 & (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1373 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (duration < 22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0064878827) + 
#>     case_when(creditAmount >= 7839.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00251608761, housing_for.free >= 0.5 & creditAmount >= 
#>         3914 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00528611103, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 7839.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0168929659, (age < 26.5 | is.na(age)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & creditAmount >= 3914 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.013159778, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         otherPaymentPlans_bank >= 0.5 & (creditAmount < 7839.5 | 
#>         is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00189285865, residenceSince >= 2.5 & otherPaymentPlans_bank >= 
#>         0.5 & (creditAmount < 7839.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00841348339, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         17 | is.na(duration)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0157291368, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>         17 | is.na(duration)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00537189096, residenceSince >= 2.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 17 | is.na(duration)) & (creditAmount < 
#>         3914 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00865953788, 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 17 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0117351636, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             purpose_new.car >= 0.5 & duration >= 17 & (creditAmount < 
#>             3914 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0111406045, 
#>         existingCredits >= 1.5 & purpose_new.car >= 0.5 & duration >= 
#>             17 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00132141635, checkingStatus_X.0 >= 0.5 & age >= 
#>             26.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             creditAmount >= 3914 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00851969607, 
#>         (duration < 10.5 | is.na(duration)) & residenceSince >= 
#>             2.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>             is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>             17 | is.na(duration)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0122889793, (age < 39.5 | is.na(age)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & age >= 26.5 & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             creditAmount >= 3914 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00117619603, 
#>         age >= 39.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             age >= 26.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             creditAmount >= 3914 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00730962912, 
#>         (creditAmount < 923 | is.na(creditAmount)) & duration >= 
#>             10.5 & residenceSince >= 2.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 17 | is.na(duration)) & (creditAmount < 
#>             3914 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00496259052, 
#>         creditAmount >= 923 & duration >= 10.5 & residenceSince >= 
#>             2.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>             is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>             17 | is.na(duration)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0104313977, (age < 33 | is.na(age)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 17 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00899494067, age >= 33 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 17 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000224267773, (creditAmount < 2497.5 | is.na(creditAmount)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 17 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0133835142, creditAmount >= 2497.5 & checkingStatus_X.0 >= 
#>             0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 17 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00588026084) + case_when(purpose_furniture.equipment >= 
#>     0.5 & propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.000925287954, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00746906642, savingsStatus_X.100 >= 
#>         0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00248277746, age >= 
#>         30.5 & otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0166011397, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         purpose_new.car >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00224919431, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00474746851, ownTelephone_none >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0131980535, creditHistory_delayed.previously >= 0.5 & 
#>         (age < 30.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.000926876033, 
#>     savingsStatus_no.known.savings >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00715706497, 
#>     (age < 33 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.000196687877, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         savingsStatus_X.100 >= 0.5 & purpose_new.car >= 0.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         3.43326719e-05, residenceSince >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & purpose_new.car >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00992622785, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (age < 30.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.0143388826, 
#>     installmentCommitment >= 3.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (age < 
#>         30.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00413879706, duration >= 
#>         43.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0097510349, 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & age >= 
#>         33 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00434845267, ownTelephone_yes >= 0.5 & age >= 33 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0124008153, 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 43.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00180160662, 
#>     creditHistory_delayed.previously >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (duration < 43.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0103285443, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 3.5 & (duration < 43.5 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00273971353, 
#>     savingsStatus_X.100 >= 0.5 & installmentCommitment >= 3.5 & 
#>         (duration < 43.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00586909894) + 
#>     case_when(creditHistory_all.paid >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 33 | 
#>         is.na(duration)) ~ 0.00602667546, (age < 27.5 | is.na(age)) & 
#>         otherPaymentPlans_bank >= 0.5 & (duration < 33 | is.na(duration)) ~ 
#>         0.0105084348, (creditAmount < 4696.5 | is.na(creditAmount)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 33 ~ 0.0142817376, 
#>         creditAmount >= 4696.5 & checkingStatus_X.0 >= 0.5 & 
#>             duration >= 33 ~ 0.00635752082, age >= 43 & age >= 
#>             27.5 & otherPaymentPlans_bank >= 0.5 & (duration < 
#>             33 | is.na(duration)) ~ -0.0106324675, (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (age < 29.5 | 
#>             is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             duration >= 33 ~ 0.000231186292, installmentCommitment >= 
#>             2.5 & (age < 29.5 | is.na(age)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & duration >= 33 ~ 
#>             0.00836842507, age >= 37.5 & age >= 29.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & duration >= 33 ~ 
#>             0.00308643328, (age < 23.5 | is.na(age)) & checkingStatus_no.checking >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.00401474629, 
#>         age >= 23.5 & checkingStatus_no.checking >= 0.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (duration < 
#>             33 | is.na(duration)) ~ -0.0157376807, (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             43 | is.na(age)) & age >= 27.5 & otherPaymentPlans_bank >= 
#>             0.5 & (duration < 33 | is.na(duration)) ~ -0.00526041305, 
#>         checkingStatus_no.checking >= 0.5 & (age < 43 | is.na(age)) & 
#>             age >= 27.5 & otherPaymentPlans_bank >= 0.5 & (duration < 
#>             33 | is.na(duration)) ~ 0.00330902566, (creditAmount < 
#>             6199.5 | is.na(creditAmount)) & (age < 37.5 | is.na(age)) & 
#>             age >= 29.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             duration >= 33 ~ -0.00439582672, creditAmount >= 
#>             6199.5 & (age < 37.5 | is.na(age)) & age >= 29.5 & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             duration >= 33 ~ -0.0139193619, (duration < 22.5 | 
#>             is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.0155731719, 
#>         duration >= 22.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.0072030616, 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>             16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.0127022816, 
#>         employment_X.1 >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.00227128668, 
#>         (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.00753360335, 
#>         installmentCommitment >= 1.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & duration >= 
#>             16.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.000876029313, 
#>         (housing_own < 0.5 | is.na(housing_own)) & installmentCommitment >= 
#>             2.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ 0.0104126353, 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 & duration >= 
#>             16.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 33 | is.na(duration)) ~ -0.000846879615) + 
#>     case_when(duration >= 22.5 & (age < 30.5 | is.na(age)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.0044561401, (duration < 
#>         11 | is.na(duration)) & age >= 30.5 & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00869099423, purpose_new.car >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00375549821, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 22 | is.na(duration)) & employment_X.1 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00144504255, checkingStatus_no.checking >= 0.5 & (duration < 
#>         22 | is.na(duration)) & employment_X.1 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0112167299, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & duration >= 
#>         22 & employment_X.1 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ 0.00785405934, personalStatus_female.div.dep.mar >= 
#>         0.5 & duration >= 22 & employment_X.1 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00182317512, employment_X1..X.4 >= 
#>         0.5 & (duration < 22.5 | is.na(duration)) & (age < 30.5 | 
#>         is.na(age)) & checkingStatus_X.0 >= 0.5 ~ -0.00251847203, 
#>         (age < 37.5 | is.na(age)) & duration >= 11 & age >= 30.5 & 
#>             checkingStatus_X.0 >= 0.5 ~ 0.0131241605, employment_unemployed >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00462286361, 
#>         (creditAmount < 2761 | is.na(creditAmount)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.00931495987, creditAmount >= 2761 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.00253928476, (creditAmount < 1897 | is.na(creditAmount)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (duration < 22.5 | is.na(duration)) & (age < 30.5 | 
#>             is.na(age)) & checkingStatus_X.0 >= 0.5 ~ -0.00125022582, 
#>         creditAmount >= 1897 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (duration < 22.5 | is.na(duration)) & (age < 30.5 | 
#>             is.na(age)) & checkingStatus_X.0 >= 0.5 ~ -0.0137325693, 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>             age >= 37.5 & duration >= 11 & age >= 30.5 & checkingStatus_X.0 >= 
#>             0.5 ~ -0.00463697035, (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             13.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00714947702, 
#>         propertyMagnitude_real.estate >= 0.5 & (duration < 13.5 | 
#>             is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0153464265, 
#>         age >= 54.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00652689999, 
#>         (age < 48.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             age >= 37.5 & duration >= 11 & age >= 30.5 & checkingStatus_X.0 >= 
#>             0.5 ~ 0.00649290718, age >= 48.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             age >= 37.5 & duration >= 11 & age >= 30.5 & checkingStatus_X.0 >= 
#>             0.5 ~ -0.00137685216, (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & (age < 36.5 | is.na(age)) & 
#>             duration >= 13.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00919083413, 
#>         ownTelephone_none >= 0.5 & (age < 36.5 | is.na(age)) & 
#>             duration >= 13.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.000201300209, 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & age >= 
#>             36.5 & duration >= 13.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.000310089061, 
#>         employment_X..7 >= 0.5 & age >= 36.5 & duration >= 13.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             0.00783012807, job_skilled >= 0.5 & (age < 54.5 | 
#>             is.na(age)) & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0171718858, 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & (age < 54.5 | is.na(age)) & 
#>             (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0128205996, 
#>         purpose_new.car >= 0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (age < 54.5 | is.na(age)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.00360502652) + case_when(creditAmount >= 3954 & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (duration < 15.5 | is.na(duration)) ~ 0.00827831402, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & propertyMagnitude_real.estate >= 
#>     0.5 & (duration < 15.5 | is.na(duration)) ~ -0.00566942152, 
#>     ownTelephone_none >= 0.5 & purpose_new.car >= 0.5 & duration >= 
#>         15.5 ~ 0.0122139463, creditAmount >= 2603.5 & residenceSince >= 
#>         1.5 & propertyMagnitude_real.estate >= 0.5 & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00675109588, checkingStatus_no.checking >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 ~ -0.0140143763, 
#>     (age < 34.5 | is.na(age)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         purpose_new.car >= 0.5 & duration >= 15.5 ~ 0.00570177892, 
#>     age >= 34.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         purpose_new.car >= 0.5 & duration >= 15.5 ~ -0.00450142613, 
#>     (creditAmount < 713.5 | is.na(creditAmount)) & (creditAmount < 
#>         1147 | is.na(creditAmount)) & (creditAmount < 3954 | 
#>         is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00605615554, (age < 25.5 | 
#>         is.na(age)) & creditAmount >= 1147 & (creditAmount < 
#>         3954 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00674147485, age >= 25.5 & 
#>         creditAmount >= 1147 & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.0152655439, 
#>     (creditAmount < 749 | is.na(creditAmount)) & (creditAmount < 
#>         2603.5 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         propertyMagnitude_real.estate >= 0.5 & (duration < 15.5 | 
#>         is.na(duration)) ~ -0.00697216438, creditAmount >= 749 & 
#>         (creditAmount < 2603.5 | is.na(creditAmount)) & residenceSince >= 
#>         1.5 & propertyMagnitude_real.estate >= 0.5 & (duration < 
#>         15.5 | is.na(duration)) ~ -0.0170251764, (creditAmount < 
#>         2374 | is.na(creditAmount)) & checkingStatus_X.0 >= 0.5 & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         15.5 ~ 0.0121409222, creditAmount >= 2374 & checkingStatus_X.0 >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         15.5 ~ -0.00095802953, (creditAmount < 2178.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         personalStatus_male.single >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 ~ 0.00558856316, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditAmount >= 713.5 & (creditAmount < 1147 | is.na(creditAmount)) & 
#>         (creditAmount < 3954 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ 0.00914396718, propertyMagnitude_life.insurance >= 
#>         0.5 & creditAmount >= 713.5 & (creditAmount < 1147 | 
#>         is.na(creditAmount)) & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00219277805, 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (age < 37 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 ~ -0.0118117016, 
#>     propertyMagnitude_real.estate >= 0.5 & (age < 37 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         15.5 ~ -0.00428536767, (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & age >= 37 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 ~ -0.0042216694, 
#>     checkingStatus_X0..X.200 >= 0.5 & age >= 37 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 ~ 0.00417941343, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & creditAmount >= 
#>         2178.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         personalStatus_male.single >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 ~ -0.00867889635, 
#>     (housing_own < 0.5 | is.na(housing_own)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2178.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & personalStatus_male.single >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 15.5 ~ 0.00213934504, (duration < 27 | is.na(duration)) & 
#>         housing_own >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2178.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & personalStatus_male.single >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 15.5 ~ -0.0107422043, duration >= 27 & housing_own >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2178.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & personalStatus_male.single >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 15.5 ~ -2.47569515e-05) + case_when(creditAmount >= 
#>     4367.5 & checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00189844728, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditAmount < 4194 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00487892004, otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>     4194 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.015220481, (creditAmount < 6266.5 | is.na(creditAmount)) & 
#>     creditAmount >= 4194 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00182162458, creditAmount >= 6266.5 & creditAmount >= 
#>     4194 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.00687055523, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0142533146, (age < 24.5 | is.na(age)) & (creditAmount < 
#>     4367.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00343736378, 
#>     age >= 24.5 & (creditAmount < 4367.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0138330273, creditHistory_all.paid >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00731657911, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         purpose_new.car >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00102788408, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         checkingStatus_X.0 >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00302860723, residenceSince >= 3.5 & checkingStatus_X.0 >= 
#>         0.5 & propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00134378043, (creditAmount < 1867.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & purpose_new.car >= 0.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0118191289, creditAmount >= 1867.5 & savingsStatus_X.100 >= 
#>         0.5 & purpose_new.car >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00484289089, age >= 37.5 & (creditAmount < 2997.5 | 
#>         is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0128661739, (age < 26.5 | is.na(age)) & creditAmount >= 
#>         2997.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00914830528, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (age < 37.5 | is.na(age)) & (creditAmount < 2997.5 | 
#>         is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00173288328, checkingStatus_X0..X.200 >= 0.5 & (age < 
#>         37.5 | is.na(age)) & (creditAmount < 2997.5 | is.na(creditAmount)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00614293572, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 26.5 & creditAmount >= 2997.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00585697405, ownTelephone_yes >= 0.5 & age >= 26.5 & 
#>         creditAmount >= 2997.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00241442863) + case_when(creditHistory_critical.other.existing.credit >= 
#>     0.5 & (creditAmount < 3913.5 | is.na(creditAmount)) ~ -0.0147581762, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditAmount >= 3913.5 ~ 0.0109878872, duration >= 33 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ 0.0016924123, 
#>     age >= 34 & purpose_new.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ -0.00768749695, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         otherPaymentPlans_none >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         3913.5 ~ -0.00531236595, installmentCommitment >= 2.5 & 
#>         otherPaymentPlans_none >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         3913.5 ~ 0.00990290288, age >= 35.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3913.5 ~ 0.00652063405, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & checkingStatus_no.checking >= 
#>         0.5 & personalStatus_male.single >= 0.5 & creditAmount >= 
#>         3913.5 ~ -0.00494083669, residenceSince >= 2.5 & checkingStatus_no.checking >= 
#>         0.5 & personalStatus_male.single >= 0.5 & creditAmount >= 
#>         3913.5 ~ -0.0141744744, creditHistory_all.paid >= 0.5 & 
#>         (duration < 33 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ 0.000264905568, 
#>     (age < 26 | is.na(age)) & (age < 34 | is.na(age)) & purpose_new.car >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ 0.00819907337, 
#>     age >= 26 & (age < 34 | is.na(age)) & purpose_new.car >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ 0.00158369122, 
#>     (age < 29.5 | is.na(age)) & (age < 35.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3913.5 ~ 0.00112620089, age >= 
#>         29.5 & (age < 35.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3913.5 ~ -0.0134652145, personalStatus_male.mar.wid >= 
#>         0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 33 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ -0.00314808637, 
#>     (creditAmount < 765.5 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 33 | 
#>         is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ 0.00223624613, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         creditAmount >= 765.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 33 | 
#>         is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ -0.0140207065, 
#>     purpose_furniture.equipment >= 0.5 & creditAmount >= 765.5 & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 33 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) ~ -0.00822478067) + 
#>     case_when((creditAmount < 4608.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0156370271, personalStatus_male.div.sep >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00479271216, (housing_own < 0.5 | is.na(housing_own)) & 
#>         creditHistory_no.credits.all.paid >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0135003673, 
#>         housing_own >= 0.5 & creditHistory_no.credits.all.paid >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0031685885, employment_X1..X.4 >= 0.5 & creditAmount >= 
#>             4608.5 & checkingStatus_no.checking >= 0.5 ~ 0.000691149384, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             creditAmount >= 4608.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0118968617, savingsStatus_X.100 >= 0.5 & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             creditAmount >= 4608.5 & checkingStatus_no.checking >= 
#>             0.5 ~ 0.000773429114, creditHistory_all.paid >= 0.5 & 
#>             (duration < 25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00464763585, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             duration >= 25.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00876015425, propertyMagnitude_no.known.property >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & duration >= 25.5 & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00843357854, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0127121042, (creditAmount < 4376.5 | is.na(creditAmount)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 25.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00506531633, creditAmount >= 4376.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 25.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00148809201, (creditAmount < 1698.5 | is.na(creditAmount)) & 
#>             employment_X..7 >= 0.5 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (duration < 
#>             25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00700007146, creditAmount >= 1698.5 & employment_X..7 >= 
#>             0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00101981277, (checkingStatus_X0..X.200 < 0.5 | 
#>             is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>             1372.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00599646335, checkingStatus_X0..X.200 >= 0.5 & 
#>             (creditAmount < 1372.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0042421557, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             creditAmount >= 1372.5 & creditHistory_existing.paid >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0128050633, propertyMagnitude_life.insurance >= 
#>             0.5 & creditAmount >= 1372.5 & creditHistory_existing.paid >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 25.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0029775037) + case_when((otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & purpose_new.car >= 
#>     0.5 ~ 0.0092816921, age >= 30.5 & employment_X.1 >= 0.5 & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.0036288714, 
#>     (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         1809.5 | is.na(creditAmount)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.0150217172, numDependents >= 1.5 & (creditAmount < 
#>         1809.5 | is.na(creditAmount)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.00562366517, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (age < 30.5 | is.na(age)) & employment_X.1 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00197346532, (age < 
#>         24.5 | is.na(age)) & (age < 28.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & purpose_new.car >= 0.5 ~ 0.00148634531, age >= 
#>         24.5 & (age < 28.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & purpose_new.car >= 0.5 ~ 0.00787772611, creditAmount >= 
#>         3954 & age >= 28.5 & otherPaymentPlans_none >= 0.5 & 
#>         purpose_new.car >= 0.5 ~ 0.00148074783, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & ownTelephone_none >= 
#>         0.5 & (age < 30.5 | is.na(age)) & employment_X.1 >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.000328068825, 
#>     purpose_furniture.equipment >= 0.5 & ownTelephone_none >= 
#>         0.5 & (age < 30.5 | is.na(age)) & employment_X.1 >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.009298224, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (creditAmount < 
#>         3954 | is.na(creditAmount)) & age >= 28.5 & otherPaymentPlans_none >= 
#>         0.5 & purpose_new.car >= 0.5 ~ -0.0143828206, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 1809.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.0159815773, 
#>     (age < 37.5 | is.na(age)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_X.0 >= 0.5 & creditAmount >= 1809.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00427814433, age >= 
#>         37.5 & (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 & creditAmount >= 1809.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.0013798119, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & creditAmount >= 
#>         1809.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 8.26881369e-05, 
#>     existingCredits >= 1.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & creditAmount >= 1809.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.014261229, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         age >= 28.5 & otherPaymentPlans_none >= 0.5 & purpose_new.car >= 
#>         0.5 ~ -0.00268597831, employment_X1..X.4 >= 0.5 & ownTelephone_none >= 
#>         0.5 & (creditAmount < 3954 | is.na(creditAmount)) & age >= 
#>         28.5 & otherPaymentPlans_none >= 0.5 & purpose_new.car >= 
#>         0.5 ~ -0.00964010134, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 1809.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.0102057932, savingsStatus_X.100 >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 1809.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00449990761, installmentCommitment >= 
#>         3.5 & job_skilled >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 1809.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00176102505, (age < 
#>         35.5 | is.na(age)) & employment_X1..X.4 >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 1809.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.0100059845, 
#>     age >= 35.5 & employment_X1..X.4 >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 1809.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.000227747121, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         job_skilled >= 0.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 1809.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00103265618, savingsStatus_X.100 >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         job_skilled >= 0.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 1809.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.0148405097) + case_when(creditAmount >= 
#>     10918 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ 0.0105600245, 
#>     creditAmount >= 6944 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00281947781, otherPaymentPlans_bank >= 0.5 & 
#>         (creditAmount < 6944 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00214203307, (age < 24.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         6944 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00468604686, age >= 24.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         6944 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0149094956, age >= 54.5 & age >= 28.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00195248867, (age < 30 | is.na(age)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 0.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0103571899, age >= 30 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000602379965, age >= 42.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00117472501, checkingStatus_no.checking >= 0.5 & (age < 
#>         26.5 | is.na(age)) & (age < 28.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0121273017, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         age >= 26.5 & (age < 28.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000671823334, installmentCommitment >= 3.5 & age >= 
#>         26.5 & (age < 28.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00582287973, (duration < 13.5 | is.na(duration)) & 
#>         (age < 54.5 | is.na(age)) & age >= 28.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0148324165, age >= 30.5 & (age < 42.5 | is.na(age)) & 
#>         job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>         10918 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0137319136, propertyMagnitude_real.estate >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (age < 26.5 | is.na(age)) & (age < 28.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00765103661, (creditAmount < 2444.5 | is.na(creditAmount)) & 
#>         (age < 30.5 | is.na(age)) & (age < 42.5 | is.na(age)) & 
#>         job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>         10918 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00877824146, creditAmount >= 2444.5 & (age < 30.5 | 
#>         is.na(age)) & (age < 42.5 | is.na(age)) & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00270947977, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (age < 26.5 | is.na(age)) & (age < 28.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00737750297, purpose_radio.tv >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (age < 26.5 | 
#>         is.na(age)) & (age < 28.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00607863907, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (creditAmount < 2450 | is.na(creditAmount)) & duration >= 
#>         13.5 & (age < 54.5 | is.na(age)) & age >= 28.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0019758821, existingCredits >= 1.5 & (creditAmount < 
#>         2450 | is.na(creditAmount)) & duration >= 13.5 & (age < 
#>         54.5 | is.na(age)) & age >= 28.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0075594103, (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & creditAmount >= 
#>         2450 & duration >= 13.5 & (age < 54.5 | is.na(age)) & 
#>         age >= 28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0125850271, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         creditAmount >= 2450 & duration >= 13.5 & (age < 54.5 | 
#>         is.na(age)) & age >= 28.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00527477358) + case_when(employment_unemployed >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00269792532, 
#>     (creditAmount < 1376.5 | is.na(creditAmount)) & duration >= 
#>         15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00940227881, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0155785382, creditAmount >= 
#>         2745 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00403042464, 
#>     (creditAmount < 1541.5 | is.na(creditAmount)) & employment_X.1 >= 
#>         0.5 & (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00597693771, 
#>     creditAmount >= 1541.5 & employment_X.1 >= 0.5 & (duration < 
#>         15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00975240767, 
#>     (creditAmount < 3096.5 | is.na(creditAmount)) & employment_X.1 >= 
#>         0.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00908133388, creditAmount >= 
#>         3096.5 & employment_X.1 >= 0.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000399440964, (creditAmount < 727 | is.na(creditAmount)) & 
#>         (creditAmount < 2745 | is.na(creditAmount)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000968788459, creditAmount >= 727 & (creditAmount < 
#>         2745 | is.na(creditAmount)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0142796906, savingsStatus_no.known.savings >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         1376.5 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0117303068, 
#>     (creditAmount < 3289.5 | is.na(creditAmount)) & housing_rent >= 
#>         0.5 & creditAmount >= 1376.5 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0114430171, 
#>     creditAmount >= 3289.5 & housing_rent >= 0.5 & creditAmount >= 
#>         1376.5 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00434380537, 
#>     propertyMagnitude_no.known.property >= 0.5 & (duration < 
#>         33 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditAmount >= 1376.5 & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.000177319351, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & duration >= 33 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         1376.5 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00174570736, 
#>     (creditAmount < 4205 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (duration < 
#>         33 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditAmount >= 1376.5 & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.00893163122, 
#>     creditAmount >= 4205 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (duration < 
#>         33 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditAmount >= 1376.5 & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.000310149277, 
#>     (creditAmount < 4696.5 | is.na(creditAmount)) & job_skilled >= 
#>         0.5 & duration >= 33 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditAmount >= 1376.5 & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.0110552749, creditAmount >= 
#>         4696.5 & job_skilled >= 0.5 & duration >= 33 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditAmount >= 1376.5 & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.00498937676) + 
#>     case_when(checkingStatus_no.checking >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (duration < 
#>         17 | is.na(duration)) ~ -0.0149201462, (creditAmount < 
#>         922 | is.na(creditAmount)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (duration < 17 | is.na(duration)) ~ 0.00202405034, 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.0121025024, 
#>         purpose_new.car >= 0.5 & creditAmount >= 922 & propertyMagnitude_life.insurance >= 
#>             0.5 & (duration < 17 | is.na(duration)) ~ -0.000512308383, 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & duration >= 17 ~ 
#>             -0.0153353782, purpose_new.car >= 0.5 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & duration >= 17 ~ 
#>             -0.00504536927, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & employment_X1..X.4 >= 
#>             0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             duration >= 17 ~ 0.00651221024, personalStatus_male.single >= 
#>             0.5 & employment_X1..X.4 >= 0.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & duration >= 17 ~ 
#>             -0.0120944418, duration >= 43.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & savingsStatus_X.100 >= 
#>             0.5 & duration >= 17 ~ 0.012172767, purpose_new.car >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & duration >= 17 ~ 0.00255095516, (age < 42 | 
#>             is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             creditAmount >= 922 & propertyMagnitude_life.insurance >= 
#>             0.5 & (duration < 17 | is.na(duration)) ~ -0.00375822233, 
#>         age >= 42 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             creditAmount >= 922 & propertyMagnitude_life.insurance >= 
#>             0.5 & (duration < 17 | is.na(duration)) ~ -0.00988977589, 
#>         purpose_new.car >= 0.5 & (duration < 43.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 17 ~ 0.0100811049, 
#>         (age < 29 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             checkingStatus_no.checking >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & duration >= 17 ~ 0.00301710214, age >= 29 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             checkingStatus_no.checking >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & duration >= 17 ~ -0.012206899, (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.0123941107, 
#>         (age < 30.5 | is.na(age)) & purpose_new.car >= 0.5 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.00511950767, 
#>         age >= 30.5 & purpose_new.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 17 | is.na(duration)) ~ 0.00199619401, 
#>         (age < 25.5 | is.na(age)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (duration < 43.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 17 ~ 0.00811382104, 
#>         (creditAmount < 1291.5 | is.na(creditAmount)) & installmentCommitment >= 
#>             3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 17 | is.na(duration)) ~ 0.00526882708, 
#>         creditAmount >= 1291.5 & installmentCommitment >= 3.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.00672728522, 
#>         (creditAmount < 2168.5 | is.na(creditAmount)) & age >= 
#>             25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (duration < 43.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & savingsStatus_X.100 >= 
#>             0.5 & duration >= 17 ~ 0.00607058732, (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 
#>             2168.5 & age >= 25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (duration < 43.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & savingsStatus_X.100 >= 
#>             0.5 & duration >= 17 ~ -0.00060841901, propertyMagnitude_car >= 
#>             0.5 & creditAmount >= 2168.5 & age >= 25.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (duration < 43.5 | 
#>             is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & savingsStatus_X.100 >= 
#>             0.5 & duration >= 17 ~ -0.00945832394) + case_when(otherParties_guarantor >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (duration < 20.5 | is.na(duration)) ~ -0.0128936609, age >= 
#>     29.5 & checkingStatus_no.checking >= 0.5 & (duration < 20.5 | 
#>     is.na(duration)) ~ -0.014776526, (creditAmount < 1367.5 | 
#>     is.na(creditAmount)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & duration >= 20.5 ~ 0.0120161455, 
#>     purpose_business >= 0.5 & checkingStatus_no.checking >= 0.5 & 
#>         duration >= 20.5 ~ -0.000903074339, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (age < 29.5 | is.na(age)) & 
#>         checkingStatus_no.checking >= 0.5 & (duration < 20.5 | 
#>         is.na(duration)) ~ -0.0107196653, installmentCommitment >= 
#>         2.5 & (age < 29.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 & (duration < 20.5 | is.na(duration)) ~ -0.00031281024, 
#>     job_skilled >= 0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 & duration >= 20.5 ~ 
#>         -0.0144452769, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         20.5 | is.na(duration)) ~ -0.00496143149, creditAmount >= 
#>         8120 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 1367.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         20.5 ~ 0.00436212495, (creditAmount < 1871.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & creditAmount >= 1367.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 20.5 ~ -0.00468285987, (creditAmount < 7049.5 | 
#>         is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 & duration >= 20.5 ~ 
#>         -0.00933098514, creditAmount >= 7049.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 & duration >= 20.5 ~ -0.00363538112, (age < 37.5 | 
#>         is.na(age)) & (creditAmount < 1117 | is.na(creditAmount)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 20.5 | is.na(duration)) ~ 0.00216632267, 
#>     age >= 37.5 & (creditAmount < 1117 | is.na(creditAmount)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 20.5 | is.na(duration)) ~ -0.000803088245, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 1117 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         20.5 | is.na(duration)) ~ -0.0131737376, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & job_skilled >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 20.5 | is.na(duration)) ~ 0.00875368994, 
#>     residenceSince >= 2.5 & job_skilled >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 20.5 | is.na(duration)) ~ -0.00289580761, 
#>     (age < 25.5 | is.na(age)) & (creditAmount < 8120 | is.na(creditAmount)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 1367.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         20.5 ~ 0.00311103486, age >= 25.5 & (creditAmount < 8120 | 
#>         is.na(creditAmount)) & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & creditAmount >= 1367.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 20.5 ~ -0.00879858155, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         1871.5 & installmentCommitment >= 2.5 & creditAmount >= 
#>         1367.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 20.5 ~ 0.0129095111, creditHistory_critical.other.existing.credit >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & creditAmount >= 1117 & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 20.5 | is.na(duration)) ~ -0.0126621481, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 1871.5 & 
#>         installmentCommitment >= 2.5 & creditAmount >= 1367.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 20.5 ~ -0.00604950869, (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 1117 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         20.5 | is.na(duration)) ~ 0.0019912133, job_skilled >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 1117 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         20.5 | is.na(duration)) ~ -0.00423981855, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & savingsStatus_X.100 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & creditAmount >= 
#>         1871.5 & installmentCommitment >= 2.5 & creditAmount >= 
#>         1367.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 20.5 ~ 0.00887242425, propertyMagnitude_car >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 1871.5 & installmentCommitment >= 
#>         2.5 & creditAmount >= 1367.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         20.5 ~ 0.00156003982) + case_when(employment_unemployed >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000147544735, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00140869291, ownTelephone_yes >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.0125374813, otherParties_guarantor >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00917936862, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (age < 25.5 | is.na(age)) & checkingStatus_X0..X.200 >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00917395763, residenceSince >= 2.5 & (age < 25.5 | is.na(age)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.005151127, creditAmount >= 
#>     7697 & age >= 25.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00917832088, creditAmount >= 
#>     3911 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.0112043489, (duration < 22.5 | is.na(duration)) & otherPaymentPlans_bank >= 
#>     0.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00546294963, duration >= 22.5 & otherPaymentPlans_bank >= 
#>     0.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00175986718, numDependents >= 1.5 & (creditAmount < 7697 | 
#>     is.na(creditAmount)) & age >= 25.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00237977388, job_high.qualif.self.emp.mgmt >= 0.5 & (creditAmount < 
#>     4602.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0043625473, (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & creditAmount >= 4602.5 & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000183484852, purpose_used.car >= 0.5 & creditAmount >= 
#>     4602.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0127246017, (age < 41.5 | is.na(age)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & (creditAmount < 7697 | is.na(creditAmount)) & 
#>     age >= 25.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0125321466, age >= 
#>     41.5 & (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>     7697 | is.na(creditAmount)) & age >= 25.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00413259491, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditAmount < 3911 | 
#>     is.na(creditAmount)) & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00287068984, (creditAmount < 2534 | is.na(creditAmount)) & 
#>     duration >= 16.5 & (creditAmount < 3911 | is.na(creditAmount)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.0128126126, creditAmount >= 2534 & duration >= 16.5 & (creditAmount < 
#>     3911 | is.na(creditAmount)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00113331969, housing_for.free >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditAmount < 4602.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00406027911, (age < 
#>     28.5 | is.na(age)) & employment_X1..X.4 >= 0.5 & (duration < 
#>     16.5 | is.na(duration)) & (creditAmount < 3911 | is.na(creditAmount)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00995639525, age >= 28.5 & employment_X1..X.4 >= 0.5 & 
#>     (duration < 16.5 | is.na(duration)) & (creditAmount < 3911 | 
#>     is.na(creditAmount)) & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.000792778796, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     (housing_for.free < 0.5 | is.na(housing_for.free)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditAmount < 
#>     4602.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00679284008, otherParties_none >= 
#>     0.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditAmount < 4602.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0161251165) + case_when(otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.0017842279, 
#>     (duration < 13.5 | is.na(duration)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0135942055, 
#>     employment_X.1 >= 0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0048009688, purpose_used.car >= 
#>         0.5 & duration >= 13.5 & (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0104424143, 
#>     propertyMagnitude_life.insurance >= 0.5 & (creditAmount < 
#>         1287 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00106513954, age >= 30.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0161436964, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>         1287 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0154984761, propertyMagnitude_real.estate >= 0.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (creditAmount < 1287 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.000731455802, (creditAmount < 2312.5 | is.na(creditAmount)) & 
#>         housing_rent >= 0.5 & creditAmount >= 1287 & installmentCommitment >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00152731896, creditAmount >= 2312.5 & housing_rent >= 
#>         0.5 & creditAmount >= 1287 & installmentCommitment >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0075628506, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (age < 30.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00552063016, job_skilled >= 
#>         0.5 & (age < 30.5 | is.na(age)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0123907225, propertyMagnitude_car >= 0.5 & (creditAmount < 
#>         4321 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 13.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00832860358, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & creditAmount >= 
#>         4321 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 13.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00855173077, residenceSince >= 2.5 & creditAmount >= 
#>         4321 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 13.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00285300822, (age < 40.5 | is.na(age)) & (creditAmount < 
#>         3650 | is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         creditAmount >= 1287 & installmentCommitment >= 3.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00614909315, age >= 40.5 & (creditAmount < 3650 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         creditAmount >= 1287 & installmentCommitment >= 3.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0114680761, (age < 39 | is.na(age)) & creditAmount >= 
#>         3650 & (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         1287 & installmentCommitment >= 3.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00449951319, 
#>     age >= 39 & creditAmount >= 3650 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & creditAmount >= 1287 & installmentCommitment >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00722459191, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (creditAmount < 4321 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 13.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00206825463, 
#>     personalStatus_male.single >= 0.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (creditAmount < 
#>         4321 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 13.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00349894306) + 
#>     case_when(housing_own >= 0.5 & creditAmount >= 6237.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0113624763, 
#>         (duration < 34.5 | is.na(duration)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0147738568, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00396712916, existingCredits >= 1.5 & otherPaymentPlans_bank >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00361443311, 
#>         purpose_used.car >= 0.5 & duration >= 22.5 & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0119809909, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & creditAmount >= 
#>             6237.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00146726461, installmentCommitment >= 3.5 & (housing_own < 
#>             0.5 | is.na(housing_own)) & creditAmount >= 6237.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00400398439, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             duration >= 34.5 & (otherPaymentPlans_bank < 0.5 | 
#>             is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0099901408, installmentCommitment >= 3.5 & 
#>             duration >= 34.5 & (otherPaymentPlans_bank < 0.5 | 
#>             is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00329766865, job_unskilled.resident >= 0.5 & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & (creditAmount < 6237.5 | 
#>             is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00666838512, 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (housing_own < 
#>             0.5 | is.na(housing_own)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00581662683, 
#>         purpose_new.car >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00578365335, 
#>         (duration < 11 | is.na(duration)) & housing_own >= 0.5 & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0152431186, 
#>         checkingStatus_X0..X.200 >= 0.5 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00837428868, 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 22.5 & 
#>             (creditAmount < 6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00747753354, 
#>         purpose_furniture.equipment >= 0.5 & checkingStatus_X.0 >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 22.5 & (creditAmount < 6237.5 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00272269989, (housing_own < 0.5 | is.na(housing_own)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & (creditAmount < 6237.5 | 
#>             is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00157727371, 
#>         housing_own >= 0.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>             is.na(checkingStatus_X0..X.200)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00520153157, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             residenceSince >= 1.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 22.5 & 
#>             (creditAmount < 6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00364755862, 
#>         savingsStatus_X.100 >= 0.5 & residenceSince >= 1.5 & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 22.5 & (creditAmount < 6237.5 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00748379808, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & duration >= 22.5 & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0131550748, 
#>         propertyMagnitude_car >= 0.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X.0 >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 22.5 & (creditAmount < 6237.5 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00434800424, (age < 32 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>             11 & housing_own >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00706416462, 
#>         age >= 32 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             duration >= 11 & housing_own >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00341715943, 
#>         (age < 36.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>             0.5 & duration >= 11 & housing_own >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0143017517, 
#>         age >= 36.5 & checkingStatus_X0..X.200 >= 0.5 & duration >= 
#>             11 & housing_own >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>             6237.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00326275011) + 
#>     case_when((personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (duration < 16.5 | is.na(duration)) ~ 0.000854571234, 
#>         personalStatus_male.single >= 0.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (duration < 
#>             16.5 | is.na(duration)) ~ -0.00688550994, creditAmount >= 
#>             3954 & otherPaymentPlans_none >= 0.5 & (duration < 
#>             16.5 | is.na(duration)) ~ 0.001988756, creditAmount >= 
#>             6751.5 & checkingStatus_no.checking >= 0.5 & duration >= 
#>             16.5 ~ -0.000789504382, creditAmount >= 804 & (creditAmount < 
#>             3954 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 16.5 | is.na(duration)) ~ -0.0137011195, 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ -0.0106286546, otherPaymentPlans_bank >= 
#>             0.5 & (creditAmount < 6751.5 | is.na(creditAmount)) & 
#>             checkingStatus_no.checking >= 0.5 & duration >= 16.5 ~ 
#>             -0.000577019528, (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (creditAmount < 804 | is.na(creditAmount)) & (creditAmount < 
#>             3954 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 16.5 | is.na(duration)) ~ -0.00540911919, 
#>         personalStatus_female.div.dep.mar >= 0.5 & (creditAmount < 
#>             804 | is.na(creditAmount)) & (creditAmount < 3954 | 
#>             is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 16.5 | is.na(duration)) ~ -0.000288097654, 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>             16.5 ~ 0.00767920353, propertyMagnitude_car >= 0.5 & 
#>             ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>             16.5 ~ -0.00548381498, (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & (creditAmount < 2254 | 
#>             is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ 0.0127744339, propertyMagnitude_car >= 
#>             0.5 & (creditAmount < 2254 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>             16.5 ~ 0.00531362882, (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (creditAmount < 6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 & duration >= 16.5 ~ -0.013190154, personalStatus_female.div.dep.mar >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (creditAmount < 6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 & duration >= 16.5 ~ -0.00583571941, duration >= 
#>             47.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             creditAmount >= 2254 & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ 0.0134267937, (creditAmount < 
#>             5976 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & creditAmount >= 2254 & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ -0.0053506135, creditAmount >= 
#>             5976 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & creditAmount >= 2254 & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ 0.0028726887, (residenceSince < 
#>             1.5 | is.na(residenceSince)) & (duration < 47.5 | 
#>             is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             creditAmount >= 2254 & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ -0.0038301493, (creditAmount < 
#>             3918.5 | is.na(creditAmount)) & residenceSince >= 
#>             1.5 & (duration < 47.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             creditAmount >= 2254 & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ -0.00179720833, creditAmount >= 
#>             3918.5 & residenceSince >= 1.5 & (duration < 47.5 | 
#>             is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             creditAmount >= 2254 & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 16.5 ~ 0.00882083178) + case_when(purpose_furniture.equipment >= 
#>     0.5 & (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0100164767, age >= 54 & duration >= 15.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00248823711, (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0133539932, purpose_business >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00465314742, (age < 
#>     25.5 | is.na(age)) & (age < 29.5 | is.na(age)) & purpose_new.car >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00594654912, age >= 25.5 & (age < 29.5 | is.na(age)) & 
#>     purpose_new.car >= 0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000811216189, job_skilled >= 0.5 & age >= 29.5 & purpose_new.car >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00260814372, (age < 36.5 | is.na(age)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (duration < 15.5 | 
#>     is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ 0.00311667216, 
#>     age >= 36.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.0079784859, job_high.qualif.self.emp.mgmt >= 
#>         0.5 & (age < 54 | is.na(age)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00385743659, (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (housing_own < 0.5 | 
#>         is.na(housing_own)) & checkingStatus_X0..X.200 >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00600361731, installmentCommitment >= 
#>         3.5 & (housing_own < 0.5 | is.na(housing_own)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00610528234, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & age >= 29.5 & 
#>         purpose_new.car >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.00473292498, checkingStatus_no.checking >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & age >= 
#>         29.5 & purpose_new.car >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0120772691, purpose_furniture.equipment >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (age < 54 | is.na(age)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 4.52366876e-05, (age < 25.5 | is.na(age)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & housing_own >= 0.5 & 
#>         checkingStatus_X0..X.200 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00369546725, age >= 
#>         25.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         housing_own >= 0.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0129508693, (creditAmount < 
#>         2168.5 | is.na(creditAmount)) & employment_X1..X.4 >= 
#>         0.5 & housing_own >= 0.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00161799067, creditAmount >= 2168.5 & employment_X1..X.4 >= 
#>         0.5 & housing_own >= 0.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00509794801, (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (age < 54 | is.na(age)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.0143183097, employment_X4..X.7 >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (age < 
#>         54 | is.na(age)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00353992963) + case_when((creditAmount < 5662 | 
#>     is.na(creditAmount)) & age >= 33.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.0158021487, creditAmount >= 
#>     5662 & age >= 33.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00171226449, creditAmount >= 6944 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>     0.5 ~ 0.00585163338, propertyMagnitude_life.insurance >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (age < 
#>     33.5 | is.na(age)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     0.000396935124, (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     housing_rent >= 0.5 & (age < 33.5 | is.na(age)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.00537355291, savingsStatus_no.known.savings >= 
#>     0.5 & housing_rent >= 0.5 & (age < 33.5 | is.na(age)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00743704848, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (duration < 16.5 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 0.5 ~ 
#>     0.00368008693, existingCredits >= 1.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (age < 33.5 | is.na(age)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00354014756, (creditAmount < 678.5 | is.na(creditAmount)) & 
#>     (creditAmount < 993.5 | is.na(creditAmount)) & (creditAmount < 
#>     6944 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 0.5 ~ 
#>     -0.00629418064, creditAmount >= 678.5 & (creditAmount < 993.5 | 
#>     is.na(creditAmount)) & (creditAmount < 6944 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00359519105, (creditAmount < 
#>     1243.5 | is.na(creditAmount)) & ownTelephone_none >= 0.5 & 
#>     (duration < 16.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ 0.00209898409, creditAmount >= 
#>     1243.5 & ownTelephone_none >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 0.5 ~ 
#>     -0.0106379408, age >= 28.5 & (age < 34.5 | is.na(age)) & 
#>     duration >= 16.5 & checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 ~ 0.0145414108, (creditAmount < 2762 | is.na(creditAmount)) & 
#>     age >= 34.5 & duration >= 16.5 & checkingStatus_X.0 >= 0.5 & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00136147439, creditAmount >= 
#>     2762 & age >= 34.5 & duration >= 16.5 & checkingStatus_X.0 >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ -0.00375268655, (creditAmount < 
#>     4194 | is.na(creditAmount)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (age < 33.5 | 
#>     is.na(age)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.0152436327, creditAmount >= 4194 & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (age < 33.5 | is.na(age)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00391542725, (creditAmount < 1955 | is.na(creditAmount)) & 
#>     (age < 25.5 | is.na(age)) & creditAmount >= 993.5 & (creditAmount < 
#>     6944 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 0.5 ~ 
#>     0.00168298557, creditAmount >= 1955 & (age < 25.5 | is.na(age)) & 
#>     creditAmount >= 993.5 & (creditAmount < 6944 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00382499886, (creditAmount < 
#>     3269.5 | is.na(creditAmount)) & (age < 28.5 | is.na(age)) & 
#>     (age < 34.5 | is.na(age)) & duration >= 16.5 & checkingStatus_X.0 >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ 0.00925485138, creditAmount >= 
#>     3269.5 & (age < 28.5 | is.na(age)) & (age < 34.5 | is.na(age)) & 
#>     duration >= 16.5 & checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 ~ -0.0003608673, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditAmount < 3893.5 | is.na(creditAmount)) & age >= 25.5 & 
#>     creditAmount >= 993.5 & (creditAmount < 6944 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00424312521, (creditAmount < 
#>     4703 | is.na(creditAmount)) & creditAmount >= 3893.5 & age >= 
#>     25.5 & creditAmount >= 993.5 & (creditAmount < 6944 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00553702237, creditAmount >= 
#>     4703 & creditAmount >= 3893.5 & age >= 25.5 & creditAmount >= 
#>     993.5 & (creditAmount < 6944 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00899132621, (purpose_furniture.equipment < 0.5 | 
#>     is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>     0.5 & (creditAmount < 3893.5 | is.na(creditAmount)) & age >= 
#>     25.5 & creditAmount >= 993.5 & (creditAmount < 6944 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.0140001737, purpose_furniture.equipment >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 3893.5 | 
#>     is.na(creditAmount)) & age >= 25.5 & creditAmount >= 993.5 & 
#>     (creditAmount < 6944 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00586342812) + case_when(creditHistory_critical.other.existing.credit >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (duration < 16.5 | is.na(duration)) ~ -0.0118784225, (numDependents < 
#>     1.5 | is.na(numDependents)) & checkingStatus_no.checking >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) ~ -0.0150574716, 
#>     numDependents >= 1.5 & checkingStatus_no.checking >= 0.5 & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.00348042161, 
#>     creditHistory_delayed.previously >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & duration >= 16.5 ~ -0.000140859906, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.00816098042, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ -0.0115382392, creditHistory_critical.other.existing.credit >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ -0.00241008983, otherPaymentPlans_bank >= 0.5 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_no.checking >= 0.5 & duration >= 16.5 ~ 
#>         -0.000432493427, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ 0.012915411, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_no.checking >= 0.5 & duration >= 16.5 ~ 
#>         -0.0141725931, purpose_new.car >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 & duration >= 16.5 ~ -0.00543860905, purpose_new.car >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         residenceSince >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 16.5 | is.na(duration)) ~ 0.00210085418, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & checkingStatus_X.0 >= 
#>         0.5 & residenceSince >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.00346791162, 
#>     residenceSince >= 3.5 & checkingStatus_X.0 >= 0.5 & residenceSince >= 
#>         1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 16.5 | is.na(duration)) ~ 0.0063145957, (age < 
#>         28.5 | is.na(age)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 16.5 ~ 0.00325998827, (duration < 22.5 | 
#>         is.na(duration)) & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 16.5 ~ -0.00397158973, duration >= 22.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 16.5 ~ 0.00891255494, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ -0.00852125231, installmentCommitment >= 2.5 & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ 0.0109833861, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & residenceSince >= 
#>         1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.00296480465, 
#>     residenceSince >= 2.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         residenceSince >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.0104196128, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & age >= 28.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 16.5 ~ -0.00397062581, job_skilled >= 0.5 & 
#>         age >= 28.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 16.5 ~ -0.0119749904) + case_when((otherParties_none < 
#>     0.5 | is.na(otherParties_none)) & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00772946561, numDependents >= 1.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000107678738, otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & (creditAmount < 
#>     6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00424392102, (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>     6167 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.002118306, job_high.qualif.self.emp.mgmt >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>     6167 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00758276228, (age < 35.5 | is.na(age)) & checkingStatus_no.checking >= 
#>     0.5 & creditAmount >= 6167 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000459329283, age >= 35.5 & 
#>     checkingStatus_no.checking >= 0.5 & creditAmount >= 6167 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00936151203, duration >= 33 & personalStatus_male.single >= 
#>     0.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00833956432, savingsStatus_X100..X.500 >= 0.5 & (numDependents < 
#>     1.5 | is.na(numDependents)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00158191845, (creditAmount < 
#>     4068.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>     0.5 & (creditAmount < 6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0143165756, creditAmount >= 
#>     4068.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     checkingStatus_no.checking >= 0.5 & (creditAmount < 6167 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0053580543, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (duration < 16.5 | is.na(duration)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & otherParties_none >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00475970563, residenceSince >= 
#>     3.5 & (duration < 16.5 | is.na(duration)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & otherParties_none >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00348527846, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & duration >= 16.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & otherParties_none >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00355146849, ownTelephone_none >= 
#>     0.5 & duration >= 16.5 & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & otherParties_none >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.0125529915, creditHistory_critical.other.existing.credit >= 
#>     0.5 & (duration < 33 | is.na(duration)) & personalStatus_male.single >= 
#>     0.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.0120830471, (duration < 25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0112126619, duration >= 25.5 & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000501940318, (housing_own < 
#>     0.5 | is.na(housing_own)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (duration < 33 | is.na(duration)) & personalStatus_male.single >= 
#>     0.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00783950649, housing_own >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (duration < 33 | is.na(duration)) & personalStatus_male.single >= 
#>     0.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00670324778) + case_when(checkingStatus_X..200 >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.011367959, housing_rent >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.000399739394, age >= 30.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.0149228508, (creditAmount < 3098.5 | is.na(creditAmount)) & 
#>     otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 ~ -0.000165188452, creditAmount >= 3098.5 & otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.000680937606, 
#>     propertyMagnitude_life.insurance >= 0.5 & (age < 30.5 | is.na(age)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0122989342, job_unskilled.resident >= 
#>         0.5 & propertyMagnitude_real.estate >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00867603067, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0112914285, employment_X1..X.4 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0034702688, (duration < 17 | is.na(duration)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0120481951, duration >= 17 & checkingStatus_X0..X.200 >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00204054033, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (age < 30.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0111137824, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         savingsStatus_no.known.savings >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0118088648, ownTelephone_none >= 0.5 & savingsStatus_no.known.savings >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00329190632, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000280735607, installmentCommitment >= 2.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00478273118, (age < 25.5 | is.na(age)) & installmentCommitment >= 
#>         3.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (age < 30.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00252853031, age >= 25.5 & installmentCommitment >= 
#>         3.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (age < 30.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00391860539, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00362549117, (duration < 33 | is.na(duration)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0151138697, duration >= 33 & propertyMagnitude_no.known.property >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00400321698, (age < 28.5 | is.na(age)) & otherParties_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00891394075, age >= 28.5 & otherParties_none >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00219857041) + case_when((duration < 11 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00886175875, creditHistory_no.credits.all.paid >= 
#>     0.5 & age >= 28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000880276668, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     duration >= 25.5 & (age < 28.5 | is.na(age)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00169331755, employment_X1..X.4 >= 
#>     0.5 & duration >= 25.5 & (age < 28.5 | is.na(age)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00895208493, (creditAmount < 
#>     3506.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & duration >= 11 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00179157348, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (duration < 25.5 | is.na(duration)) & (age < 28.5 | is.na(age)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0044955695, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>     (age < 28.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00299386797, savingsStatus_X.100 >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (duration < 25.5 | is.na(duration)) & (age < 28.5 | 
#>     is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00643227622, purpose_business >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & age >= 
#>     28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00529008964, (age < 36.5 | is.na(age)) & propertyMagnitude_no.known.property >= 
#>     0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     age >= 28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.010506887, (age < 31.5 | is.na(age)) & creditAmount >= 
#>     3506.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     duration >= 11 & checkingStatus_X.0 >= 0.5 ~ -0.00756061822, 
#>     age >= 31.5 & creditAmount >= 3506.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & duration >= 11 & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00144807459, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>         2.5 & duration >= 11 & checkingStatus_X.0 >= 0.5 ~ 0.0114142252, 
#>     (age < 47.5 | is.na(age)) & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>         2.5 & duration >= 11 & checkingStatus_X.0 >= 0.5 ~ 0.00261975103, 
#>     age >= 47.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>         2.5 & duration >= 11 & checkingStatus_X.0 >= 0.5 ~ -0.00745718461, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & job_skilled >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (duration < 25.5 | is.na(duration)) & (age < 28.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0141486526, purpose_radio.tv >= 0.5 & job_skilled >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (duration < 25.5 | is.na(duration)) & (age < 28.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00512757944, purpose_education >= 0.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & age >= 
#>         28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00540157314, (age < 45.5 | is.na(age)) & age >= 36.5 & 
#>         propertyMagnitude_no.known.property >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & age >= 
#>         28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00400175387, age >= 45.5 & age >= 36.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         age >= 28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00610905979, purpose_radio.tv >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         installmentCommitment >= 2.5 & duration >= 11 & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00119749713, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditHistory_existing.paid >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>         2.5 & duration >= 11 & checkingStatus_X.0 >= 0.5 ~ 0.00296718348, 
#>     purpose_new.car >= 0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditHistory_existing.paid >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>         2.5 & duration >= 11 & checkingStatus_X.0 >= 0.5 ~ 0.0128390389, 
#>     (creditAmount < 757 | is.na(creditAmount)) & (creditAmount < 
#>         1229.5 | is.na(creditAmount)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & age >= 
#>         28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0121602267, creditAmount >= 757 & (creditAmount < 
#>         1229.5 | is.na(creditAmount)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & age >= 
#>         28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.000327539077, (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         creditAmount >= 1229.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         age >= 28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0155916782, checkingStatus_X..200 >= 0.5 & creditAmount >= 
#>         1229.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         age >= 28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00695554912) + case_when(checkingStatus_X.0 >= 0.5 & 
#>     creditAmount >= 6686.5 ~ 0.00772409141, purpose_used.car >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 6686.5 | 
#>     is.na(creditAmount)) ~ -0.0111310072, employment_X4..X.7 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     creditAmount >= 6686.5 ~ -0.0122038051, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 6686.5 | 
#>     is.na(creditAmount)) ~ -0.0105242226, savingsStatus_no.known.savings >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     creditAmount >= 6686.5 ~ -0.00185604242, age >= 43.5 & residenceSince >= 
#>     1.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 6686.5 | is.na(creditAmount)) ~ -0.00839738455, 
#>     (age < 22.5 | is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 6686.5 | is.na(creditAmount)) ~ -0.00241368683, 
#>     creditAmount >= 1460 & (duration < 15.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ -0.00806128979, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 15.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ 0.00026105385, (age < 29.5 | is.na(age)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 6686.5 ~ 0.0140300989, age >= 29.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 6686.5 ~ -0.00166964601, purpose_new.car >= 
#>         0.5 & (age < 43.5 | is.na(age)) & residenceSince >= 1.5 & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 6686.5 | is.na(creditAmount)) ~ 0.0107898768, 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         age >= 22.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ -0.0140195191, savingsStatus_X.100 >= 
#>         0.5 & (age < 36.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ -0.0109796459, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & age >= 
#>         36.5 & checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 6686.5 | is.na(creditAmount)) ~ 0.00422472041, 
#>     personalStatus_female.div.dep.mar >= 0.5 & age >= 36.5 & 
#>         checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 6686.5 | is.na(creditAmount)) ~ -0.00706004584, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>         1460 | is.na(creditAmount)) & (duration < 15.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ 0.00427747332, residenceSince >= 
#>         3.5 & (creditAmount < 1460 | is.na(creditAmount)) & (duration < 
#>         15.5 | is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ -0.00445227046, creditHistory_critical.other.existing.credit >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & duration >= 15.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ 0.00465056626, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (age < 43.5 | is.na(age)) & 
#>         residenceSince >= 1.5 & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ 0.00434625847, checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (age < 43.5 | is.na(age)) & residenceSince >= 1.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ -0.000642780098, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & checkingStatus_X..200 >= 
#>         0.5 & age >= 22.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 6686.5 | is.na(creditAmount)) ~ -0.0102096759, 
#>     installmentCommitment >= 2.5 & checkingStatus_X..200 >= 0.5 & 
#>         age >= 22.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ -0.00248210295, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 36.5 | is.na(age)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 6686.5 | is.na(creditAmount)) ~ -0.00689307321, 
#>     ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 36.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) ~ 9.72391354e-05, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 6686.5 | is.na(creditAmount)) ~ 
#>         0.00567605486, installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 6686.5 | is.na(creditAmount)) ~ 
#>         0.0137664657) + case_when(creditHistory_all.paid >= 0.5 & 
#>     (duration < 15.5 | is.na(duration)) ~ 0.00632585026, creditAmount >= 
#>     3954 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     (duration < 15.5 | is.na(duration)) ~ -0.000159272546, (creditAmount < 
#>     2478 | is.na(creditAmount)) & checkingStatus_X.0 >= 0.5 & 
#>     duration >= 15.5 ~ 0.0120316399, creditAmount >= 938 & (creditAmount < 
#>     3954 | is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & (duration < 15.5 | is.na(duration)) ~ 
#>     -0.0133722238, (age < 30.5 | is.na(age)) & creditAmount >= 
#>     2478 & checkingStatus_X.0 >= 0.5 & duration >= 15.5 ~ 0.000736163289, 
#>     age >= 30.5 & creditAmount >= 2478 & checkingStatus_X.0 >= 
#>         0.5 & duration >= 15.5 ~ 0.00715034781, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 
#>         938 | is.na(creditAmount)) & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.00553318113, 
#>     (creditAmount < 5658.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 ~ 
#>         0.00396010792, creditAmount >= 5658.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 ~ 
#>         -0.00743615068, (creditAmount < 3011 | is.na(creditAmount)) & 
#>         (age < 28.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 15.5 ~ 0.000201452756, creditAmount >= 3011 & 
#>         (age < 28.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 15.5 ~ 0.0126509331, creditAmount >= 6708 & 
#>         age >= 28.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 ~ 
#>         0.0046131853, (creditAmount < 722 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 938 | 
#>         is.na(creditAmount)) & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.0105818519, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (duration < 19 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 15.5 ~ 0.000886643655, personalStatus_male.single >= 
#>         0.5 & (duration < 19 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 15.5 ~ -0.0111829536, (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & duration >= 
#>         19 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 ~ 
#>         -0.01480179, creditHistory_delayed.previously >= 0.5 & 
#>         duration >= 19 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 ~ 
#>         -0.00493419729, (creditAmount < 2477.5 | is.na(creditAmount)) & 
#>         (creditAmount < 6708 | is.na(creditAmount)) & age >= 
#>         28.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 ~ 
#>         -0.00074566924, creditAmount >= 2477.5 & (creditAmount < 
#>         6708 | is.na(creditAmount)) & age >= 28.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 15.5 ~ -0.0106789656, (age < 31.5 | is.na(age)) & 
#>         creditAmount >= 722 & otherPaymentPlans_none >= 0.5 & 
#>         (creditAmount < 938 | is.na(creditAmount)) & (creditAmount < 
#>         3954 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 15.5 | 
#>         is.na(duration)) ~ -0.000218536879, age >= 31.5 & creditAmount >= 
#>         722 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>         938 | is.na(creditAmount)) & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00608385773) + 
#>     case_when(creditHistory_critical.other.existing.credit >= 
#>         0.5 & (age < 29.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00795430504, otherPaymentPlans_none >= 0.5 & 
#>         age >= 29.5 & checkingStatus_no.checking >= 0.5 ~ -0.0128942113, 
#>         propertyMagnitude_life.insurance >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000791913772, (duration < 19.5 | is.na(duration)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.000405834522, 
#>         duration >= 19.5 & personalStatus_female.div.dep.mar >= 
#>             0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0023641861, creditHistory_critical.other.existing.credit >= 
#>             0.5 & propertyMagnitude_no.known.property >= 0.5 & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00418207794, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (age < 29.5 | is.na(age)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00433677714, (age < 44.5 | is.na(age)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             age >= 29.5 & checkingStatus_no.checking >= 0.5 ~ 
#>             -0.00107885257, age >= 44.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & age >= 29.5 & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.0121964272, 
#>         (age < 37.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0111236507, age >= 37.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00429762248, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00440133223, installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0142622823, (age < 23.5 | is.na(age)) & creditHistory_existing.paid >= 
#>             0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (age < 29.5 | is.na(age)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.000844763068, age >= 23.5 & creditHistory_existing.paid >= 
#>             0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (age < 29.5 | is.na(age)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00471497141, (creditAmount < 1781.5 | is.na(creditAmount)) & 
#>             purpose_new.car >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00506462809, 
#>         creditAmount >= 1781.5 & purpose_new.car >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00323701533, 
#>         (creditAmount < 4094.5 | is.na(creditAmount)) & (age < 
#>             28.5 | is.na(age)) & duration >= 22.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00140999444, 
#>         creditAmount >= 4094.5 & (age < 28.5 | is.na(age)) & 
#>             duration >= 22.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00723168254, 
#>         (duration < 25.5 | is.na(duration)) & age >= 28.5 & duration >= 
#>             22.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0136191007, duration >= 25.5 & age >= 28.5 & duration >= 
#>             22.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00521162758, (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 16.5 | is.na(duration)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (duration < 22.5 | 
#>             is.na(duration)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0122328894, 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             duration >= 16.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (duration < 22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00386328041, 
#>         purpose_furniture.equipment >= 0.5 & duration >= 16.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (duration < 22.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00133191713, 
#>         (duration < 10.5 | is.na(duration)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (duration < 16.5 | is.na(duration)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (duration < 22.5 | 
#>             is.na(duration)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -3.00468218e-05, 
#>         duration >= 10.5 & personalStatus_female.div.dep.mar >= 
#>             0.5 & (duration < 16.5 | is.na(duration)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (duration < 22.5 | 
#>             is.na(duration)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00857542083) + 
#>     case_when(purpose_new.car >= 0.5 & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0108045721, 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (duration < 34.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00623966847, otherPaymentPlans_none >= 0.5 & 
#>             (duration < 34.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.013417583, (otherPaymentPlans_none < 0.5 | 
#>             is.na(otherPaymentPlans_none)) & duration >= 34.5 & 
#>             checkingStatus_no.checking >= 0.5 ~ 0.0023453508, 
#>         otherPaymentPlans_none >= 0.5 & duration >= 34.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0087008886, propertyMagnitude_real.estate >= 
#>             0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00097928592, 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>             housing_own >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0126906047, savingsStatus_no.known.savings >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00856724475, 
#>         (creditAmount < 1633.5 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (housing_own < 
#>             0.5 | is.na(housing_own)) & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0090762591, purpose_used.car >= 0.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00420529442, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             creditAmount >= 1633.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (housing_own < 
#>             0.5 | is.na(housing_own)) & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00404737983, job_skilled >= 0.5 & creditAmount >= 
#>             1633.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & (duration < 
#>             22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0059818523, 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (creditAmount < 991.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             housing_own >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000227076511, personalStatus_female.div.dep.mar >= 
#>             0.5 & (creditAmount < 991.5 | is.na(creditAmount)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             housing_own >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00636572577, (creditHistory_existing.paid < 0.5 | 
#>             is.na(creditHistory_existing.paid)) & creditAmount >= 
#>             991.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             housing_own >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00121660717, age >= 42.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00123998174, propertyMagnitude_life.insurance >= 
#>             0.5 & creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             991.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             housing_own >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0012404609, propertyMagnitude_life.insurance >= 
#>             0.5 & (age < 42.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00107130548, (age < 25.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             991.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             housing_own >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00363711547, age >= 25.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             991.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             housing_own >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0152678899, (age < 24.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 42.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00238862564, age >= 24.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 42.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0119001241) + case_when(creditAmount >= 6751.5 & 
#>     checkingStatus_no.checking >= 0.5 ~ -0.00142846873, otherParties_guarantor >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.0130803036, job_unskilled.resident >= 0.5 & (creditAmount < 
#>     6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.00586835435, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     numDependents >= 1.5 & checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.00774019212, 
#>     installmentCommitment >= 2.5 & numDependents >= 1.5 & checkingStatus_X.0 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00224572048, savingsStatus_X100..X.500 >= 0.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (creditAmount < 
#>         6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00479812175, (creditAmount < 971 | is.na(creditAmount)) & 
#>         (duration < 20.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00536461361, 
#>     savingsStatus_no.known.savings >= 0.5 & duration >= 20.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0100176372, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00451438827, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         housing_rent >= 0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00297496491, 
#>     installmentCommitment >= 2.5 & housing_rent >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0110216122, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0136108268, otherPaymentPlans_bank >= 0.5 & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00313609093, purpose_radio.tv >= 0.5 & creditAmount >= 
#>         971 & (duration < 20.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00131889875, 
#>     duration >= 45 & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & duration >= 
#>         20.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.011555464, purpose_radio.tv >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00108006911, (creditAmount < 2724.5 | is.na(creditAmount)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 971 & (duration < 20.5 | is.na(duration)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0131942285, creditAmount >= 2724.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditAmount >= 971 & 
#>         (duration < 20.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00426930003, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (duration < 45 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         20.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0073533929, creditAmount >= 3597.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00826822966, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         job_skilled >= 0.5 & (duration < 45 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 20.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00053628505, ownTelephone_none >= 0.5 & job_skilled >= 
#>         0.5 & (duration < 45 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         20.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00664029596, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (creditAmount < 3597.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0018587868, job_skilled >= 0.5 & (creditAmount < 3597.5 | 
#>         is.na(creditAmount)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.013834415) + case_when(numDependents >= 1.5 & creditAmount >= 
#>     6750 ~ -0.00488685258, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     checkingStatus_no.checking >= 0.5 & (creditAmount < 6750 | 
#>     is.na(creditAmount)) ~ -0.0133432755, (age < 29.5 | is.na(age)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & creditAmount >= 
#>     6750 ~ 0.00856688805, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (age < 25.5 | is.na(age)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     6750 | is.na(creditAmount)) ~ -0.00556987338, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & otherPaymentPlans_bank >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 & (creditAmount < 6750 | 
#>     is.na(creditAmount)) ~ -5.36212137e-05, job_skilled >= 0.5 & 
#>     otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 & (creditAmount < 6750 | is.na(creditAmount)) ~ -0.000167210354, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         age >= 29.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         creditAmount >= 6750 ~ -0.00352002028, savingsStatus_X.100 >= 
#>         0.5 & age >= 29.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         creditAmount >= 6750 ~ 0.00510748057, propertyMagnitude_real.estate >= 
#>         0.5 & residenceSince >= 1.5 & (age < 25.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 6750 | is.na(creditAmount)) ~ -0.00432295958, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         age >= 25.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 6750 | is.na(creditAmount)) ~ -0.000619352621, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         residenceSince >= 1.5 & (age < 25.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ 8.7036482e-05, creditHistory_existing.paid >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         residenceSince >= 1.5 & (age < 25.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ 0.00787095912, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         age >= 25.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 6750 | is.na(creditAmount)) ~ -0.0138353491, 
#>     purpose_furniture.equipment >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         age >= 25.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 6750 | is.na(creditAmount)) ~ -0.00296711759, 
#>     creditHistory_existing.paid >= 0.5 & purpose_new.car >= 0.5 & 
#>         installmentCommitment >= 2.5 & age >= 25.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ 0.010177535, (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (housing_own < 0.5 | 
#>         is.na(housing_own)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         installmentCommitment >= 2.5 & age >= 25.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ 0.00856784452, ownTelephone_yes >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & installmentCommitment >= 
#>         2.5 & age >= 25.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ -0.00464465003, (age < 
#>         47.5 | is.na(age)) & housing_own >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & installmentCommitment >= 
#>         2.5 & age >= 25.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ -0.0106940651, age >= 47.5 & 
#>         housing_own >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         installmentCommitment >= 2.5 & age >= 25.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ -0.00169095851, (duration < 
#>         16 | is.na(duration)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & purpose_new.car >= 
#>         0.5 & installmentCommitment >= 2.5 & age >= 25.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) ~ -0.00292754173, duration >= 
#>         16 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         purpose_new.car >= 0.5 & installmentCommitment >= 2.5 & 
#>         age >= 25.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 6750 | is.na(creditAmount)) ~ 0.0026989358) + 
#>     case_when(housing_for.free >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00308623118, (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (housing_for.free < 0.5 | 
#>         is.na(housing_for.free)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.0129708778, purpose_new.car >= 
#>         0.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.00572517933, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.0045876503, checkingStatus_X0..X.200 >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ 0.00625761831, (duration < 
#>         27 | is.na(duration)) & personalStatus_male.single >= 
#>         0.5 & savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.0121438289, duration >= 
#>         27 & personalStatus_male.single >= 0.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.00380346761, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         creditAmount >= 6167 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.000231059079, checkingStatus_X0..X.200 >= 
#>         0.5 & creditAmount >= 6167 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 0.5 ~ 
#>         0.00982164685, (creditAmount < 1474 | is.na(creditAmount)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 ~ -0.000521922891, creditHistory_critical.other.existing.credit >= 
#>         0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.0019541143, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 
#>         6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.00512216985, creditHistory_existing.paid >= 0.5 & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00571785541, (creditAmount < 3529.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1474 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.0125471037, creditAmount >= 3529.5 & creditAmount >= 
#>         1474 & (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 ~ -0.00164939708, existingCredits >= 
#>         1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.0147494506, (duration < 11.5 | is.na(duration)) & 
#>         employment_X.1 >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>         (creditAmount < 6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00661231438, duration >= 11.5 & employment_X.1 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>         6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.00130316778, (age < 28 | is.na(age)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00269806106, age >= 28 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.0105408691, purpose_radio.tv >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.0113174655, (numDependents < 1.5 | is.na(numDependents)) & 
#>         personalStatus_male.single >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.0143379485, numDependents >= 1.5 & personalStatus_male.single >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 6167 | 
#>         is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00620132918, (creditAmount < 
#>         1948 | is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00254750368, creditAmount >= 1948 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 6167 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.006641699) + case_when(numDependents >= 1.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00423501572, (duration < 11.5 | 
#>     is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.0117372377, duration >= 
#>     11.5 & creditHistory_critical.other.existing.credit >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00265180413, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0107042892, existingCredits >= 
#>     1.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000638392754, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0138869919, employment_X.1 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00697253877, purpose_new.car >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.010952564, purpose_new.car >= 0.5 & (numDependents < 1.5 | 
#>     is.na(numDependents)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0116071412, (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0108716143, savingsStatus_X100..X.500 >= 0.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00345671596, (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     creditHistory_existing.paid >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0023160514, savingsStatus_X100..X.500 >= 0.5 & creditHistory_existing.paid >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00597554632, duration >= 22 & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00533115026, (duration < 
#>     16.5 | is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00240355893, (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     22 | is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000137058072, propertyMagnitude_real.estate >= 0.5 & (duration < 
#>     22 | is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0127927419, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     duration >= 16.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00128294306, (duration < 19.5 | 
#>     is.na(duration)) & savingsStatus_X.100 >= 0.5 & duration >= 
#>     16.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0107362391, duration >= 19.5 & 
#>     savingsStatus_X.100 >= 0.5 & duration >= 16.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00429166993) + case_when(creditAmount >= 
#>     3885.5 & (duration < 15.5 | is.na(duration)) ~ 0.00419781124, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 15.5 ~ 
#>         -0.0120400423, (creditAmount < 653 | is.na(creditAmount)) & 
#>         (creditAmount < 959.5 | is.na(creditAmount)) & (creditAmount < 
#>         3885.5 | is.na(creditAmount)) & (duration < 15.5 | is.na(duration)) ~ 
#>         -0.0104709137, personalStatus_male.div.sep >= 0.5 & creditAmount >= 
#>         959.5 & (creditAmount < 3885.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00351048214, 
#>     personalStatus_male.single >= 0.5 & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 15.5 ~ -0.00700781867, purpose_radio.tv >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & duration >= 15.5 ~ -0.0126398476, (age < 35.5 | 
#>         is.na(age)) & creditAmount >= 653 & (creditAmount < 959.5 | 
#>         is.na(creditAmount)) & (creditAmount < 3885.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.003637671, age >= 
#>         35.5 & creditAmount >= 653 & (creditAmount < 959.5 | 
#>         is.na(creditAmount)) & (creditAmount < 3885.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00924415421, 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         creditAmount >= 959.5 & (creditAmount < 3885.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.0134989591, 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & duration >= 15.5 ~ 0.00961654726, 
#>     savingsStatus_no.known.savings >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 15.5 ~ 4.13699854e-05, purpose_radio.tv >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 2.75214425e-05, 
#>     (age < 36.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 0.00452748965, 
#>     age >= 36.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ -0.00642405264, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 
#>         -0.00427595014, ownTelephone_none >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 
#>         0.00483951811, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         959.5 & (creditAmount < 3885.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00117378903, 
#>     personalStatus_male.single >= 0.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         creditAmount >= 959.5 & (creditAmount < 3885.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.010925849, existingCredits >= 
#>         1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 0.0030223683, 
#>     (creditAmount < 2762.5 | is.na(creditAmount)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 0.01462196, 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 2762.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 0.00752926338, 
#>     employment_X1..X.4 >= 0.5 & creditAmount >= 2762.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ -0.000105622486) + 
#>     case_when(creditHistory_all.paid >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0124573419, 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.0125290789, 
#>         purpose_education >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00446848851, (employment_X1..X.4 < 0.5 | 
#>             is.na(employment_X1..X.4)) & otherPaymentPlans_bank >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00806230865, 
#>         employment_X1..X.4 >= 0.5 & otherPaymentPlans_bank >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00116719329, 
#>         personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>             20.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0042541367, 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (duration < 
#>             13.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00960569642, purpose_new.car >= 0.5 & (duration < 
#>             13.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00259442581, purpose_new.car >= 0.5 & duration >= 
#>             13.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.011840377, 
#>         creditAmount >= 1224 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 20.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0143517014, 
#>         (creditAmount < 4765.5 | is.na(creditAmount)) & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & duration >= 20.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0130069507, 
#>         creditAmount >= 4765.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             duration >= 20.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00152624771, (creditAmount < 3038.5 | is.na(creditAmount)) & 
#>             job_skilled >= 0.5 & duration >= 20.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00839275587, 
#>         purpose_used.car >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 13.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0040142443, 
#>         (age < 30 | is.na(age)) & (creditAmount < 1224 | is.na(creditAmount)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 20.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00911171827, 
#>         age >= 30 & (creditAmount < 1224 | is.na(creditAmount)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 20.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.000717404822, 
#>         (age < 27.5 | is.na(age)) & creditAmount >= 3038.5 & 
#>             job_skilled >= 0.5 & duration >= 20.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00395413488, 
#>         age >= 27.5 & creditAmount >= 3038.5 & job_skilled >= 
#>             0.5 & duration >= 20.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00545237353, 
#>         propertyMagnitude_car >= 0.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & duration >= 13.5 & checkingStatus_X.0 >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00120823353, (creditAmount < 3461.5 | is.na(creditAmount)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 13.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0119138071, 
#>         creditAmount >= 3461.5 & (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 13.5 & 
#>             checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00228806143) + 
#>     case_when(otherPaymentPlans_bank >= 0.5 & (duration < 16.5 | 
#>         is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00361009198, (duration < 19 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 ~ -0.0115758535, duration >= 
#>         19 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00423933985, creditAmount >= 
#>         1223.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0138598913, (age < 
#>         23.5 | is.na(age)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.0097424062, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & employment_X..7 >= 
#>         0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.0147529291, propertyMagnitude_no.known.property >= 
#>         0.5 & employment_X..7 >= 0.5 & duration >= 16.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00348993135, (age < 
#>         33.5 | is.na(age)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.0033292952, age >= 33.5 & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00627912674, (age < 27.5 | 
#>         is.na(age)) & (creditAmount < 1223.5 | is.na(creditAmount)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0128914937, (age < 
#>         36.5 | is.na(age)) & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         job_skilled >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.0047637932, age >= 36.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         job_skilled >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00415599858, (age < 27.5 | 
#>         is.na(age)) & installmentCommitment >= 3.5 & job_skilled >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.00243902579, age >= 27.5 & 
#>         installmentCommitment >= 3.5 & job_skilled >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.0116522545, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & age >= 27.5 & 
#>         (creditAmount < 1223.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 16.5 | 
#>         is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00768806133, checkingStatus_X0..X.200 >= 0.5 & age >= 
#>         27.5 & (creditAmount < 1223.5 | is.na(creditAmount)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00644357968, (age < 
#>         28.5 | is.na(age)) & employment_X.1 >= 0.5 & age >= 23.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & duration >= 
#>         16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.0079039894, age >= 28.5 & employment_X.1 >= 0.5 & age >= 
#>         23.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00326033519, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 36.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         age >= 23.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0123839388, (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         age >= 36.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         age >= 23.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00410029152, employment_X4..X.7 >= 0.5 & age >= 36.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & age >= 
#>         23.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00703171827, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 36.5 | is.na(age)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & age >= 
#>         23.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00813337322, checkingStatus_X0..X.200 >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (age < 36.5 | is.na(age)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & age >= 23.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.000862584333) + 
#>     case_when((age < 23.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00045459086, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0100177675, 
#>         purpose_business >= 0.5 & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.000384145562, (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & housing_for.free >= 0.5 & 
#>             propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00751604373, 
#>         ownTelephone_none >= 0.5 & housing_for.free >= 0.5 & 
#>             propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0101106297, 
#>         purpose_radio.tv >= 0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             age >= 23.5 & checkingStatus_no.checking >= 0.5 ~ 
#>             -0.0146686817, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             checkingStatus_X..200 >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0124124689, installmentCommitment >= 3.5 & checkingStatus_X..200 >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0042445315, (creditAmount < 2123 | is.na(creditAmount)) & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.011204157, creditAmount >= 2123 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000503451447, creditAmount >= 6386 & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00231318781, purpose_furniture.equipment >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00137753109, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             purpose_new.car >= 0.5 & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00390051212, residenceSince >= 2.5 & purpose_new.car >= 
#>             0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000425167818, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00718060276, propertyMagnitude_life.insurance >= 
#>             0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00411159312, propertyMagnitude_real.estate >= 0.5 & 
#>             installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00250817463, (duration < 20.5 | is.na(duration)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0125030158, duration >= 20.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00393655756, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00121409865, (creditAmount < 1277.5 | is.na(creditAmount)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (creditAmount < 6386 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00474070059, creditAmount >= 1277.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (creditAmount < 6386 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0118115824, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             propertyMagnitude_life.insurance >= 0.5 & (creditAmount < 
#>             6386 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00140558684, existingCredits >= 1.5 & propertyMagnitude_life.insurance >= 
#>             0.5 & (creditAmount < 6386 | is.na(creditAmount)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             age >= 23.5 & checkingStatus_no.checking >= 0.5 ~ 
#>             -0.0079100281, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             savingsStatus_X.100 >= 0.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & installmentCommitment >= 
#>             2.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00386403198, residenceSince >= 2.5 & savingsStatus_X.100 >= 
#>             0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0127803516) + case_when(purpose_radio.tv >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 ~ -0.0137197953, (otherParties_none < 
#>     0.5 | is.na(otherParties_none)) & (duration < 15.5 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.0136834634, purpose_used.car >= 0.5 & duration >= 15.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.0115240337, employment_X.1 >= 0.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.00180822844, creditHistory_critical.other.existing.credit >= 
#>     0.5 & otherParties_none >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.0104553979, (creditAmount < 2328 | is.na(creditAmount)) & 
#>     purpose_new.car >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.0109850662, creditAmount >= 2328 & purpose_new.car >= 0.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & duration >= 
#>     15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.000972967071, (creditAmount < 6536 | is.na(creditAmount)) & 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>     is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>     0.5 ~ 0.00273174513, creditAmount >= 6536 & job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.00573755195, purpose_new.car >= 0.5 & (creditAmount < 
#>     1423 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     otherParties_none >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.00748177338, (creditAmount < 3208 | is.na(creditAmount)) & 
#>     creditAmount >= 1423 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     otherParties_none >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.0113085294, creditAmount >= 3208 & creditAmount >= 1423 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     otherParties_none >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.00204681256, savingsStatus_no.known.savings >= 0.5 & (creditAmount < 
#>     4038.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.01251515, (creditAmount < 6376.5 | is.na(creditAmount)) & 
#>     creditAmount >= 4038.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & duration >= 
#>     15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.00946781132, creditAmount >= 6376.5 & creditAmount >= 4038.5 & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & duration >= 15.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00161489437, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (age < 30.5 | is.na(age)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00910744909, installmentCommitment >= 3.5 & 
#>         (age < 30.5 | is.na(age)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00332021969, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         age >= 30.5 & (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0137567399, housing_for.free >= 0.5 & age >= 
#>         30.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00605691317, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         1423 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00046390263, residenceSince >= 3.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditAmount < 1423 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00737425825, (creditAmount < 2234 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditAmount < 4038.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00769150164, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & creditAmount >= 
#>         2234 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditAmount < 4038.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00106297189, 
#>     purpose_radio.tv >= 0.5 & creditAmount >= 2234 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditAmount < 
#>         4038.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.0104402686) + 
#>     case_when(age >= 33.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0115934806, duration >= 22.5 & (age < 33.5 | 
#>         is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00575502682, residenceSince >= 3.5 & (duration < 
#>         22.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00499762269, employment_X..7 >= 0.5 & duration >= 22.5 & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00420206459, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (duration < 22.5 | is.na(duration)) & (age < 33.5 | is.na(age)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00905803777, personalStatus_male.single >= 0.5 & (duration < 
#>         22.5 | is.na(duration)) & (age < 33.5 | is.na(age)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00302193267, age >= 41.5 & duration >= 20.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00673056766, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0025638165, otherPaymentPlans_none >= 0.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0137998564, (age < 35 | is.na(age)) & existingCredits >= 
#>         1.5 & checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0079489639, age >= 35 & existingCredits >= 1.5 & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00011245675, (age < 26.5 | is.na(age)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (duration < 22.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000432484667, age >= 26.5 & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & (duration < 22.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00696656341, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & duration >= 
#>         22.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00400137436, installmentCommitment >= 2.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 22.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0125126438, (age < 24.5 | is.na(age)) & (age < 28.5 | 
#>         is.na(age)) & (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00411960762, age >= 24.5 & (age < 28.5 | is.na(age)) & 
#>         (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000528703968, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         age >= 28.5 & (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0122379726, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 41.5 | is.na(age)) & duration >= 20.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00879191514, savingsStatus_X.100 >= 0.5 & (age < 41.5 | 
#>         is.na(age)) & duration >= 20.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0066674673, (creditAmount < 1657.5 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 & age >= 28.5 & (duration < 
#>         20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000686986779, creditAmount >= 1657.5 & otherPaymentPlans_none >= 
#>         0.5 & age >= 28.5 & (duration < 20.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00904695503) + case_when(propertyMagnitude_real.estate >= 
#>     0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00979499333, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00194052397, 
#>     job_unskilled.resident >= 0.5 & (duration < 14 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.000833009486, numDependents >= 1.5 & (duration < 33 | 
#>         is.na(duration)) & checkingStatus_no.checking >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00521244854, (age < 34.5 | is.na(age)) & duration >= 
#>         33 & checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.000596207799, age >= 
#>         34.5 & duration >= 33 & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00572220748, (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.0100735947, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00510864053, creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & job_skilled >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.000524697185, residenceSince >= 
#>         2.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (duration < 14 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0118137365, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (age < 39.5 | is.na(age)) & 
#>         duration >= 14 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00688640587, (duration < 
#>         27 | is.na(duration)) & age >= 39.5 & duration >= 14 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0106318435, duration >= 27 & age >= 39.5 & duration >= 
#>         14 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.000752753404, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (duration < 
#>         33 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0138846375, otherPaymentPlans_bank >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (duration < 33 | is.na(duration)) & 
#>         checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0060057668, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00421756832, residenceSince >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.011691669, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (duration < 14 | 
#>         is.na(duration)) & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00926489197, savingsStatus_X.100 >= 
#>         0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (duration < 14 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.000575227896, (housing_own < 
#>         0.5 | is.na(housing_own)) & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & residenceSince >= 1.5 & (age < 
#>         39.5 | is.na(age)) & duration >= 14 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00558028277, housing_own >= 
#>         0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         residenceSince >= 1.5 & (age < 39.5 | is.na(age)) & duration >= 
#>         14 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00367057114, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         ownTelephone_none >= 0.5 & residenceSince >= 1.5 & (age < 
#>         39.5 | is.na(age)) & duration >= 14 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.0103083318, propertyMagnitude_car >= 
#>         0.5 & ownTelephone_none >= 0.5 & residenceSince >= 1.5 & 
#>         (age < 39.5 | is.na(age)) & duration >= 14 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00246045808) + 
#>     case_when((age < 23.5 | is.na(age)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00163227227, duration >= 
#>         16.5 & housing_rent >= 0.5 & savingsStatus_X.100 >= 0.5 ~ 
#>         0.00958867557, residenceSince >= 2.5 & age >= 33.5 & 
#>         age >= 23.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.0138990683, (numDependents < 1.5 | is.na(numDependents)) & 
#>         checkingStatus_no.checking >= 0.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & savingsStatus_X.100 >= 0.5 ~ -0.0109105837, 
#>         numDependents >= 1.5 & checkingStatus_no.checking >= 
#>             0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             savingsStatus_X.100 >= 0.5 ~ -0.00146678963, (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (duration < 16.5 | 
#>             is.na(duration)) & housing_rent >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 ~ 0.000175848952, ownTelephone_yes >= 0.5 & (duration < 
#>             16.5 | is.na(duration)) & housing_rent >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 ~ -0.00512317521, (installmentCommitment < 3.5 | 
#>             is.na(installmentCommitment)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (age < 
#>             33.5 | is.na(age)) & age >= 23.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) ~ -0.013400414, 
#>         installmentCommitment >= 3.5 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (age < 
#>             33.5 | is.na(age)) & age >= 23.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) ~ -0.00427450193, 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             creditHistory_existing.paid >= 0.5 & (age < 33.5 | 
#>             is.na(age)) & age >= 23.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) ~ 0.00213959208, 
#>         checkingStatus_no.checking >= 0.5 & creditHistory_existing.paid >= 
#>             0.5 & (age < 33.5 | is.na(age)) & age >= 23.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) ~ -0.0115367565, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & age >= 33.5 & age >= 
#>             23.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>             -0.000801532005, job_skilled >= 0.5 & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & age >= 33.5 & age >= 
#>             23.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>             -0.012000096, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ -0.011254116, (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & purpose_new.car >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ -0.00404399214, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             installmentCommitment >= 2.5 & purpose_new.car >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ 0.0131989596, residenceSince >= 2.5 & installmentCommitment >= 
#>             2.5 & purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ 0.00427341741, propertyMagnitude_car >= 0.5 & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             otherParties_none >= 0.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ -0.00703127589, existingCredits >= 1.5 & personalStatus_male.single >= 
#>             0.5 & otherParties_none >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ -0.0110134035, (duration < 16.5 | is.na(duration)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             otherParties_none >= 0.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ -0.000893508317, duration >= 16.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & otherParties_none >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ 0.00604918785, (installmentCommitment < 3.5 | 
#>             is.na(installmentCommitment)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & personalStatus_male.single >= 
#>             0.5 & otherParties_none >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ -0.0077342838, installmentCommitment >= 3.5 & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             personalStatus_male.single >= 0.5 & otherParties_none >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>             0.5 ~ 0.00162579096) + case_when(purpose_business >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00151847466, 
#>     checkingStatus_X..200 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.010214827, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00959166046, (age < 39.5 | is.na(age)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00220643869, age >= 39.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00850572251, purpose_education >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00485872058, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & purpose_new.car >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0109289158, employment_X1..X.4 >= 0.5 & purpose_new.car >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00199630437, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0134586841, 
#>     (housing_own < 0.5 | is.na(housing_own)) & age >= 39.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00269664219, 
#>     housing_own >= 0.5 & age >= 39.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00793646276, 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         otherPaymentPlans_none >= 0.5 & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0136343045, creditHistory_delayed.previously >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         otherPaymentPlans_none >= 0.5 & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00535765104, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & duration >= 
#>         20.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0113955317, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 20.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000152080043, 
#>     housing_own >= 0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 20.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0104602361, 
#>     (housing_own < 0.5 | is.na(housing_own)) & installmentCommitment >= 
#>         3.5 & (duration < 20.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00116511155, 
#>     housing_own >= 0.5 & installmentCommitment >= 3.5 & (duration < 
#>         20.5 | is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0053457045, (housing_own < 0.5 | is.na(housing_own)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & duration >= 
#>         20.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00687722955, housing_own >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & duration >= 20.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00217529992, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 39.5 | is.na(age)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00915197842, 
#>     job_skilled >= 0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 39.5 | is.na(age)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000817234861, 
#>     (duration < 19.5 | is.na(duration)) & installmentCommitment >= 
#>         3.5 & savingsStatus_X.100 >= 0.5 & (age < 39.5 | is.na(age)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000341013598, 
#>     duration >= 19.5 & installmentCommitment >= 3.5 & savingsStatus_X.100 >= 
#>         0.5 & (age < 39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00769296847) + 
#>     case_when(checkingStatus_no.checking >= 0.5 & (creditAmount < 
#>         8567.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0116925603, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>         8567.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00694342051, checkingStatus_no.checking >= 0.5 & creditAmount >= 
#>         8567.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00294176443, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (age < 35.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.00362168299, propertyMagnitude_life.insurance >= 0.5 & 
#>         age >= 35.5 & checkingStatus_X.0 >= 0.5 ~ -0.000459092582, 
#>         housing_rent >= 0.5 & (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             8567.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.00631603878, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             residenceSince >= 1.5 & (age < 35.5 | is.na(age)) & 
#>             checkingStatus_X.0 >= 0.5 ~ 0.00108073629, (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             age >= 35.5 & checkingStatus_X.0 >= 0.5 ~ -0.00856299605, 
#>         housing_for.free >= 0.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             age >= 35.5 & checkingStatus_X.0 >= 0.5 ~ -0.00236426317, 
#>         numDependents >= 1.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 8567.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.00253944425, 
#>         propertyMagnitude_life.insurance >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & residenceSince >= 1.5 & (age < 35.5 | is.na(age)) & 
#>             checkingStatus_X.0 >= 0.5 ~ -2.96817598e-05, (age < 
#>             25.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             8567.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00101378071, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             savingsStatus_X.100 >= 0.5 & residenceSince >= 1.5 & 
#>             (age < 35.5 | is.na(age)) & checkingStatus_X.0 >= 
#>             0.5 ~ 0.00289777503, residenceSince >= 2.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             savingsStatus_X.100 >= 0.5 & residenceSince >= 1.5 & 
#>             (age < 35.5 | is.na(age)) & checkingStatus_X.0 >= 
#>             0.5 ~ 0.0136885149, propertyMagnitude_no.known.property >= 
#>             0.5 & age >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             8567.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00302774459, 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             8567.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0122768665, 
#>         job_high.qualif.self.emp.mgmt >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             8567.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00469155796) + 
#>     case_when(creditHistory_all.paid >= 0.5 ~ 0.00963253807, 
#>         checkingStatus_no.checking >= 0.5 & (duration < 16.5 | 
#>             is.na(duration)) & (creditHistory_all.paid < 0.5 | 
#>             is.na(creditHistory_all.paid)) ~ -0.0139112314, propertyMagnitude_real.estate >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (duration < 16.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0103993723, 
#>         employment_X4..X.7 >= 0.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & duration >= 16.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0122653991, 
#>         propertyMagnitude_real.estate >= 0.5 & purpose_new.car >= 
#>             0.5 & duration >= 16.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00654188124, 
#>         creditAmount >= 7850.5 & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & duration >= 16.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00936448108, 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             purpose_new.car >= 0.5 & duration >= 16.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00991668459, 
#>         ownTelephone_yes >= 0.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & purpose_new.car >= 
#>             0.5 & duration >= 16.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00247548288, 
#>         (age < 32.5 | is.na(age)) & (creditAmount < 1147 | is.na(creditAmount)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (duration < 16.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.0107833408, 
#>         age >= 32.5 & (creditAmount < 1147 | is.na(creditAmount)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (duration < 16.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -6.81752717e-05, 
#>         (duration < 9.5 | is.na(duration)) & creditAmount >= 
#>             1147 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (duration < 16.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00192521547, 
#>         creditAmount >= 2498.5 & duration >= 9.5 & creditAmount >= 
#>             1147 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (duration < 16.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00016667071, 
#>         age >= 41.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             7850.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 16.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.0070624887, (age < 33 | is.na(age)) & (creditAmount < 
#>             2498.5 | is.na(creditAmount)) & duration >= 9.5 & 
#>             creditAmount >= 1147 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>             16.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0138003724, 
#>         age >= 33 & (creditAmount < 2498.5 | is.na(creditAmount)) & 
#>             duration >= 9.5 & creditAmount >= 1147 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>             16.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00619745348, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (duration < 25.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             7850.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 16.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.0059370785, personalStatus_male.single >= 0.5 & 
#>             (duration < 25.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             7850.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 16.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.0122480392, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             duration >= 25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 7850.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 16.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00327240769, employment_X..7 >= 0.5 & duration >= 
#>             25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 7850.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 16.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00824461132, (age < 26.5 | is.na(age)) & (age < 
#>             41.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & 
#>             (creditAmount < 7850.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 16.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00990019273, age >= 26.5 & (age < 41.5 | is.na(age)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditAmount < 7850.5 | 
#>             is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & duration >= 16.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00299480464) + 
#>     case_when(creditHistory_all.paid >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00975414086, 
#>         (age < 23.5 | is.na(age)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00241106539, age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0124844452, purpose_new.car >= 0.5 & duration >= 
#>             22.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0103197163, creditAmount >= 4807 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00149295805, 
#>         duration >= 16.5 & personalStatus_female.div.dep.mar >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00578202959, 
#>         duration >= 43.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 22.5 & (creditHistory_all.paid < 0.5 | 
#>             is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00749642169, 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (duration < 16.5 | is.na(duration)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00537874456, 
#>         checkingStatus_X0..X.200 >= 0.5 & (duration < 16.5 | 
#>             is.na(duration)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00177718943, 
#>         employment_X.1 >= 0.5 & (duration < 43.5 | is.na(duration)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 22.5 & (creditHistory_all.paid < 0.5 | 
#>             is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00574493175, 
#>         (creditAmount < 1224 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             4807 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00590941822, 
#>         creditAmount >= 1224 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 4807 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0137366448, 
#>         numDependents >= 1.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             4807 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0126624489, 
#>         creditAmount >= 8134 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (duration < 43.5 | is.na(duration)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 22.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00468068849, (age < 34 | is.na(age)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>             0.5 & (creditAmount < 4807 | is.na(creditAmount)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00173332647, 
#>         age >= 34 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditAmount < 4807 | 
#>             is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (duration < 22.5 | is.na(duration)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00588516286, 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 8134 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (duration < 43.5 | 
#>             is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 22.5 & (creditHistory_all.paid < 0.5 | 
#>             is.na(creditHistory_all.paid)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00355811161, 
#>         purpose_used.car >= 0.5 & (creditAmount < 8134 | is.na(creditAmount)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (duration < 43.5 | is.na(duration)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 22.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0126521084) + case_when((housing_for.free < 0.5 | 
#>     is.na(housing_for.free)) & propertyMagnitude_no.known.property >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.0144854411, housing_for.free >= 0.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.00565170171, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 ~ 0.00114574307, purpose_radio.tv >= 0.5 & otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00677022245, 
#>     (creditAmount < 3129.5 | is.na(creditAmount)) & housing_for.free >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00161729963, 
#>     creditAmount >= 3129.5 & housing_for.free >= 0.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00736947916, (creditAmount < 6751.5 | is.na(creditAmount)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0132609075, creditAmount >= 
#>         6751.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00491422694, duration >= 
#>         13.5 & (creditAmount < 1373 | is.na(creditAmount)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0131831067, (duration < 20.5 | is.na(duration)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0105561456, duration >= 20.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00460033212, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (duration < 13.5 | is.na(duration)) & (creditAmount < 
#>         1373 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00526226172, 
#>     job_skilled >= 0.5 & (duration < 13.5 | is.na(duration)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00392059097, 
#>     creditAmount >= 2315.5 & (duration < 22.5 | is.na(duration)) & 
#>         creditAmount >= 1373 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0125617199, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         duration >= 22.5 & creditAmount >= 1373 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00185318722, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (duration < 22.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0124916611, 
#>     checkingStatus_X.0 >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00523399981, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         duration >= 22.5 & savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00801102351, (age < 28.5 | is.na(age)) & (creditAmount < 
#>         2315.5 | is.na(creditAmount)) & (duration < 22.5 | is.na(duration)) & 
#>         creditAmount >= 1373 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00279211625, 
#>     age >= 28.5 & (creditAmount < 2315.5 | is.na(creditAmount)) & 
#>         (duration < 22.5 | is.na(duration)) & creditAmount >= 
#>         1373 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00918423384, (creditAmount < 2015.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & duration >= 22.5 & creditAmount >= 
#>         1373 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.000635641802, creditAmount >= 2015.5 & installmentCommitment >= 
#>         2.5 & duration >= 22.5 & creditAmount >= 1373 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0098399343, 
#>     (creditAmount < 2851.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & duration >= 22.5 & savingsStatus_X.100 >= 0.5 & 
#>         personalStatus_male.single >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00227804924, 
#>     creditAmount >= 2851.5 & installmentCommitment >= 3.5 & duration >= 
#>         22.5 & savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00448188698) + case_when((age < 29.5 | is.na(age)) & 
#>     creditAmount >= 6789 ~ 0.0121023711, propertyMagnitude_car >= 
#>     0.5 & age >= 29.5 & creditAmount >= 6789 ~ -0.00574154314, 
#>     checkingStatus_X0..X.200 >= 0.5 & purpose_new.car >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ 0.00548237469, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 6789 | is.na(creditAmount)) ~ -0.00869578868, 
#>     job_skilled >= 0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ 0.00868921075, 
#>     (otherParties_none < 0.5 | is.na(otherParties_none)) & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 6789 | is.na(creditAmount)) ~ -0.00512540527, 
#>     otherParties_none >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ -0.0124315713, 
#>     (age < 43.5 | is.na(age)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & age >= 29.5 & creditAmount >= 
#>         6789 ~ -0.00420923531, age >= 43.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & age >= 29.5 & creditAmount >= 
#>         6789 ~ 0.00825499743, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         numDependents >= 1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ 0.00440110359, 
#>     employment_X1..X.4 >= 0.5 & numDependents >= 1.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ -0.00555668399, 
#>     duration >= 23 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         purpose_new.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ 0.00943694729, 
#>     (creditAmount < 752 | is.na(creditAmount)) & (duration < 
#>         34.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ 0.00118979369, 
#>     (creditAmount < 4007 | is.na(creditAmount)) & duration >= 
#>         34.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ 0.00393765187, 
#>     creditAmount >= 4007 & duration >= 34.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ -0.00273928698, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (duration < 
#>         23 | is.na(duration)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & purpose_new.car >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ 0.002931986, 
#>     ownTelephone_none >= 0.5 & (duration < 23 | is.na(duration)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         purpose_new.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ -0.0108466251, 
#>     creditAmount >= 4038.5 & creditAmount >= 752 & (duration < 
#>         34.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ -0.00066110451, 
#>     (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (creditAmount < 4038.5 | is.na(creditAmount)) & creditAmount >= 
#>         752 & (duration < 34.5 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ -0.00930074509, 
#>     personalStatus_male.mar.wid >= 0.5 & (creditAmount < 4038.5 | 
#>         is.na(creditAmount)) & creditAmount >= 752 & (duration < 
#>         34.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 6789 | is.na(creditAmount)) ~ -0.00281870156) + 
#>     case_when((creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         numDependents >= 1.5 & checkingStatus_X.0 >= 0.5 ~ -0.00450561615, 
#>         creditHistory_existing.paid >= 0.5 & numDependents >= 
#>             1.5 & checkingStatus_X.0 >= 0.5 ~ -0.0129185086, 
#>         numDependents >= 1.5 & (otherPaymentPlans_none < 0.5 | 
#>             is.na(otherPaymentPlans_none)) & (duration < 29 | 
#>             is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             0.00505475327, (age < 22.5 | is.na(age)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 29 | is.na(duration)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.000456914568, 
#>         (age < 29 | is.na(age)) & (employment_X1..X.4 < 0.5 | 
#>             is.na(employment_X1..X.4)) & duration >= 29 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.000447603379, 
#>         (age < 26.5 | is.na(age)) & employment_X1..X.4 >= 0.5 & 
#>             duration >= 29 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             0.0101749068, age >= 26.5 & employment_X1..X.4 >= 
#>             0.5 & duration >= 29 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ 0.000759502058, (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & purpose_new.car >= 
#>             0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             checkingStatus_X.0 >= 0.5 ~ 0.00377829513, ownTelephone_none >= 
#>             0.5 & purpose_new.car >= 0.5 & (numDependents < 1.5 | 
#>             is.na(numDependents)) & checkingStatus_X.0 >= 0.5 ~ 
#>             0.00921885297, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (duration < 
#>             29 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.000966031104, installmentCommitment >= 
#>             3.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (duration < 29 | is.na(duration)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0112687573, 
#>         job_high.qualif.self.emp.mgmt >= 0.5 & age >= 22.5 & 
#>             otherPaymentPlans_none >= 0.5 & (duration < 29 | 
#>             is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.00218251813, (checkingStatus_X0..X.200 < 0.5 | 
#>             is.na(checkingStatus_X0..X.200)) & age >= 29 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & duration >= 29 & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.010447734, checkingStatus_X0..X.200 >= 0.5 & age >= 
#>             29 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             duration >= 29 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.00073472131, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>             0.5 ~ -0.000979656586, installmentCommitment >= 2.5 & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>             0.5 ~ -0.00691282516, personalStatus_female.div.dep.mar >= 
#>             0.5 & residenceSince >= 2.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>             0.5 ~ -0.00507735228, (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             age >= 22.5 & otherPaymentPlans_none >= 0.5 & (duration < 
#>             29 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.0134297078, (age < 
#>             48.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             residenceSince >= 2.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (numDependents < 1.5 | 
#>             is.na(numDependents)) & checkingStatus_X.0 >= 0.5 ~ 
#>             0.0106023271, age >= 48.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             residenceSince >= 2.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (numDependents < 1.5 | 
#>             is.na(numDependents)) & checkingStatus_X.0 >= 0.5 ~ 
#>             -0.000776956906, propertyMagnitude_life.insurance >= 
#>             0.5 & personalStatus_female.div.dep.mar >= 0.5 & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             age >= 22.5 & otherPaymentPlans_none >= 0.5 & (duration < 
#>             29 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.00217091339, (creditAmount < 
#>             1371.5 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & age >= 
#>             22.5 & otherPaymentPlans_none >= 0.5 & (duration < 
#>             29 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.00277645304, creditAmount >= 
#>             1371.5 & (propertyMagnitude_life.insurance < 0.5 | 
#>             is.na(propertyMagnitude_life.insurance)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             age >= 22.5 & otherPaymentPlans_none >= 0.5 & (duration < 
#>             29 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.0135353003) + case_when(savingsStatus_no.known.savings >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0105967261, (creditAmount < 
#>     2113 | is.na(creditAmount)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.000647061621, creditAmount >= 2113 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0113258781, numDependents >= 1.5 & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00556729082, otherPaymentPlans_none >= 
#>     0.5 & (numDependents < 1.5 | is.na(numDependents)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0118577313, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & numDependents >= 1.5 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00822352432, installmentCommitment >= 3.5 & numDependents >= 
#>     1.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0031026178, otherParties_guarantor >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00941131823, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00110835058, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (numDependents < 1.5 | 
#>     is.na(numDependents)) & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.000548562035, ownTelephone_none >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00764380069, employment_X4..X.7 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0058032088, creditHistory_critical.other.existing.credit >= 
#>     0.5 & residenceSince >= 1.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -5.08065968e-05, propertyMagnitude_real.estate >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00289512915, employment_X1..X.4 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     residenceSince >= 1.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00200250978, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00438699825, (creditAmount < 
#>     2492 | is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     residenceSince >= 1.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.0141880326, creditAmount >= 2492 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     residenceSince >= 1.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00603633979, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0118558407, residenceSince >= 3.5 & residenceSince >= 1.5 & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00443175016) + case_when(employment_X.1 >= 
#>     0.5 & (creditAmount < 1340 | is.na(creditAmount)) & (duration < 
#>     17 | is.na(duration)) ~ 0.0049533844, creditAmount >= 4292 & 
#>     creditAmount >= 1340 & (duration < 17 | is.na(duration)) ~ 
#>     0.00319097773, creditHistory_delayed.previously >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 & duration >= 17 ~ -0.000231176964, 
#>     propertyMagnitude_real.estate >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 1340 | 
#>         is.na(creditAmount)) & (duration < 17 | is.na(duration)) ~ 
#>         -0.0105126649, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 4292 | is.na(creditAmount)) & creditAmount >= 
#>         1340 & (duration < 17 | is.na(duration)) ~ -0.0148847271, 
#>     age >= 41.5 & (creditAmount < 2313 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ -0.00146888441, (age < 25.5 | is.na(age)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_no.checking >= 0.5 & duration >= 17 ~ 
#>         -0.000415383634, age >= 25.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 & duration >= 17 ~ -0.0115959384, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 1340 | 
#>         is.na(creditAmount)) & (duration < 17 | is.na(duration)) ~ 
#>         -0.00836931821, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (creditAmount < 4292 | 
#>         is.na(creditAmount)) & creditAmount >= 1340 & (duration < 
#>         17 | is.na(duration)) ~ 0.00123559101, personalStatus_male.single >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & (creditAmount < 
#>         4292 | is.na(creditAmount)) & creditAmount >= 1340 & 
#>         (duration < 17 | is.na(duration)) ~ -0.00748839183, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (age < 41.5 | is.na(age)) & 
#>         (creditAmount < 2313 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00413976563, checkingStatus_X.0 >= 0.5 & (age < 
#>         41.5 | is.na(age)) & (creditAmount < 2313 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ 0.0121649336, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (duration < 22.5 | 
#>         is.na(duration)) & creditAmount >= 2313 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.00307135517, propertyMagnitude_car >= 0.5 & (duration < 
#>         22.5 | is.na(duration)) & creditAmount >= 2313 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.0125080477, purpose_new.car >= 0.5 & duration >= 
#>         22.5 & creditAmount >= 2313 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.0112346448, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & ownTelephone_none >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditAmount < 
#>         1340 | is.na(creditAmount)) & (duration < 17 | is.na(duration)) ~ 
#>         -0.00459755724, creditHistory_existing.paid >= 0.5 & 
#>         ownTelephone_none >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 1340 | 
#>         is.na(creditAmount)) & (duration < 17 | is.na(duration)) ~ 
#>         0.00586033985, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 22.5 & creditAmount >= 
#>         2313 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ -0.00714999484, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 6719.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         22.5 & creditAmount >= 2313 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.0101696514, checkingStatus_X.0 >= 0.5 & creditAmount >= 
#>         6719.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 22.5 & creditAmount >= 2313 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00283642882, (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 6719.5 | is.na(creditAmount)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         22.5 & creditAmount >= 2313 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00820589345, personalStatus_male.single >= 0.5 & 
#>         installmentCommitment >= 2.5 & (creditAmount < 6719.5 | 
#>         is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 22.5 & creditAmount >= 2313 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.00226018787) + case_when(creditAmount >= 7614.5 & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ 0.00574272638, 
#>     creditAmount >= 9618.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00333234412, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00417463388, installmentCommitment >= 2.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.013050437, age >= 28.5 & (age < 33.5 | is.na(age)) & 
#>         (creditAmount < 7614.5 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.000514885352, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         33.5 & (creditAmount < 7614.5 | is.na(creditAmount)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.0139061008, propertyMagnitude_no.known.property >= 
#>         0.5 & age >= 33.5 & (creditAmount < 7614.5 | is.na(creditAmount)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00582296122, otherPaymentPlans_bank >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00035495701, personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         creditHistory_existing.paid >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00780173205, (creditAmount < 2467.5 | is.na(creditAmount)) & 
#>         purpose_furniture.equipment >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00634284504, creditAmount >= 2467.5 & purpose_furniture.equipment >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000786174322, (creditAmount < 2462 | is.na(creditAmount)) & 
#>         (age < 28.5 | is.na(age)) & (age < 33.5 | is.na(age)) & 
#>         (creditAmount < 7614.5 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0127275297, creditAmount >= 2462 & (age < 28.5 | 
#>         is.na(age)) & (age < 33.5 | is.na(age)) & (creditAmount < 
#>         7614.5 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00302871689, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         installmentCommitment >= 3.5 & (creditAmount < 9618.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00686636334, residenceSince >= 2.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & installmentCommitment >= 
#>         3.5 & (creditAmount < 9618.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0016785214, duration >= 25.5 & creditHistory_existing.paid >= 
#>         0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>         9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00248603523, residenceSince >= 3.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditHistory_existing.paid >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00647921255, (duration < 16.5 | is.na(duration)) & 
#>         (age < 25.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00883534458, duration >= 16.5 & (age < 25.5 | is.na(age)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000239025379, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         age >= 25.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00455987826, installmentCommitment >= 1.5 & age >= 
#>         25.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0127896266, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (duration < 25.5 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>         9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0122946622, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditHistory_existing.paid >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00160592841, ownTelephone_none >= 0.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditHistory_existing.paid >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00536155375, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & ownTelephone_none >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>         9618.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00225924328, propertyMagnitude_real.estate >= 0.5 & 
#>         ownTelephone_none >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>         creditHistory_existing.paid >= 0.5 & installmentCommitment >= 
#>         3.5 & (creditAmount < 9618.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00878725387) + case_when((propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (duration < 16.5 | 
#>     is.na(duration)) ~ -0.00326923374, propertyMagnitude_car >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (duration < 16.5 | is.na(duration)) ~ 0.00306265685, purpose_education >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (duration < 16.5 | 
#>     is.na(duration)) ~ -0.00094402273, purpose_used.car >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 & duration >= 16.5 ~ -0.00617710035, 
#>     creditAmount >= 3703 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         otherPaymentPlans_none >= 0.5 & (duration < 16.5 | is.na(duration)) ~ 
#>         -5.1981373e-05, housing_rent >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         0.00383712025, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         purpose_new.car >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 0.0115326392, 
#>     creditAmount >= 7086.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 16.5 ~ -0.00205585873, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditAmount < 3703 | is.na(creditAmount)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & otherPaymentPlans_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) ~ -0.0140007399, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & duration >= 16.5 ~ -0.0115738893, 
#>     (creditAmount < 4003 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & purpose_new.car >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         -0.00626958534, creditAmount >= 4003 & otherPaymentPlans_none >= 
#>         0.5 & purpose_new.car >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         0.00228085858, purpose_radio.tv >= 0.5 & (creditAmount < 
#>         7086.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & checkingStatus_X.0 >= 0.5 & 
#>         duration >= 16.5 ~ 0.000369504414, propertyMagnitude_real.estate >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (creditAmount < 
#>         3703 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & otherPaymentPlans_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) ~ -0.0122698387, 
#>     (housing_own < 0.5 | is.na(housing_own)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 7086.5 | 
#>         is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 16.5 ~ 0.0137959011, 
#>     age >= 37.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditAmount < 
#>         3703 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & otherPaymentPlans_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) ~ -0.0116137834, 
#>     age >= 36.5 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         -2.78063762e-05, checkingStatus_X0..X.200 >= 0.5 & creditAmount >= 
#>         3914 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         0.007586753, (age < 30.5 | is.na(age)) & housing_own >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 7086.5 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & checkingStatus_X.0 >= 
#>         0.5 & duration >= 16.5 ~ -0.00118593441, age >= 30.5 & 
#>         housing_own >= 0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 7086.5 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & checkingStatus_X.0 >= 
#>         0.5 & duration >= 16.5 ~ 0.0105601102, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (age < 37.5 | is.na(age)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditAmount < 
#>         3703 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & otherPaymentPlans_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) ~ -0.00572176976, 
#>     installmentCommitment >= 3.5 & (age < 37.5 | is.na(age)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditAmount < 
#>         3703 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & otherPaymentPlans_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) ~ 0.00484014116, 
#>     (creditAmount < 2221 | is.na(creditAmount)) & (age < 36.5 | 
#>         is.na(age)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         -0.00504418835, creditAmount >= 2221 & (age < 36.5 | 
#>         is.na(age)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         -0.0118752867, (creditAmount < 7581.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         creditAmount >= 3914 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         -0.00160762516, creditAmount >= 7581.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>         3914 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 16.5 ~ 
#>         -0.00549016753) + case_when(purpose_education >= 0.5 & 
#>     (creditAmount < 6719.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.0049002734, 
#>     (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 6719.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -2.69929333e-05, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         employment_X.1 >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00262862211, installmentCommitment >= 2.5 & 
#>         employment_X.1 >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00169275561, personalStatus_male.div.sep >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00338367838, 
#>     (age < 31.5 | is.na(age)) & installmentCommitment >= 1.5 & 
#>         creditAmount >= 6719.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0123701626, 
#>     age >= 31.5 & installmentCommitment >= 1.5 & creditAmount >= 
#>         6719.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00382639631, age >= 27.5 & (age < 29.5 | is.na(age)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000500873954, (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         age >= 29.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0120695336, purpose_business >= 
#>         0.5 & age >= 29.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00421131356, (duration < 
#>         8.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 6719.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0136199007, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 27.5 | is.na(age)) & (age < 29.5 | is.na(age)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0123002827, savingsStatus_X.100 >= 0.5 & (age < 
#>         27.5 | is.na(age)) & (age < 29.5 | is.na(age)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00361074205, (age < 29.5 | is.na(age)) & purpose_new.car >= 
#>         0.5 & duration >= 8.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 6719.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0050992677, 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         8.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00909542572, 
#>     otherPaymentPlans_bank >= 0.5 & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & duration >= 8.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 6719.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0030217485, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         employment_X1..X.4 >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & duration >= 8.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 6719.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00630642753, 
#>     savingsStatus_X.100 >= 0.5 & employment_X1..X.4 >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         8.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00422905153, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & age >= 
#>         29.5 & purpose_new.car >= 0.5 & duration >= 8.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 6719.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00524695916, 
#>     ownTelephone_none >= 0.5 & age >= 29.5 & purpose_new.car >= 
#>         0.5 & duration >= 8.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 6719.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0016622385) + 
#>     case_when(purpose_business >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000503930612, (creditAmount < 4077 | is.na(creditAmount)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0122846747, creditAmount >= 4077 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00324836536, age >= 30.5 & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0121800182, savingsStatus_X.100 >= 0.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0114391921, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (age < 30.5 | is.na(age)) & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00837222952, installmentCommitment >= 3.5 & 
#>         (age < 30.5 | is.na(age)) & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.000859863299, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00687553734, ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00209036889, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0125228651, employment_X1..X.4 >= 0.5 & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00400869921, employment_unemployed >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & otherParties_none >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00505448272, (age < 26.5 | is.na(age)) & purpose_radio.tv >= 
#>         0.5 & otherParties_none >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00219073752, age >= 26.5 & purpose_radio.tv >= 0.5 & 
#>         otherParties_none >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00879906584, (duration < 11.5 | is.na(duration)) & 
#>         (creditAmount < 3034 | is.na(creditAmount)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & otherParties_none >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00967673119, duration >= 11.5 & (creditAmount < 3034 | 
#>         is.na(creditAmount)) & (employment_unemployed < 0.5 | 
#>         is.na(employment_unemployed)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & otherParties_none >= 0.5 & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00291646714, (age < 33 | is.na(age)) & creditAmount >= 
#>         3034 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         otherParties_none >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00548248086, age >= 33 & creditAmount >= 3034 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & otherParties_none >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0129281636) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (duration < 45 | is.na(duration)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00658402033, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & duration >= 45 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00869759265, ownTelephone_yes >= 
#>     0.5 & duration >= 45 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0035227323, (creditAmount < 1136 | is.na(creditAmount)) & 
#>     (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00188694173, purpose_used.car >= 0.5 & duration >= 
#>     15.5 & checkingStatus_X.0 >= 0.5 ~ -0.00665603811, creditAmount >= 
#>     2723 & creditAmount >= 1136 & (duration < 15.5 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00309419306, purpose_new.car >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 15.5 & checkingStatus_X.0 >= 0.5 ~ 0.0132825673, 
#>     creditAmount >= 5895.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>         45 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00308413641, numDependents >= 1.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 45 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00475460291, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         2723 | is.na(creditAmount)) & creditAmount >= 1136 & 
#>         (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00525858393, personalStatus_male.single >= 0.5 & 
#>         (creditAmount < 2723 | is.na(creditAmount)) & creditAmount >= 
#>         1136 & (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.0127122961, duration >= 40.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00947278738, otherPaymentPlans_bank >= 0.5 & 
#>         (creditAmount < 5895.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>         45 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0017813046, employment_X1..X.4 >= 0.5 & (duration < 
#>         40.5 | is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & checkingStatus_X.0 >= 0.5 ~ 0.00783171784, 
#>     (age < 25.5 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 45 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.000814340776, (age < 
#>         34 | is.na(age)) & purpose_new.car >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 45 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00189931062, age >= 
#>         34 & purpose_new.car >= 0.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & checkingStatus_X0..X.200 >= 0.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 45 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00349545758, (age < 
#>         29 | is.na(age)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (duration < 40.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00846144743, age >= 29 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (duration < 40.5 | 
#>         is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & checkingStatus_X.0 >= 0.5 ~ 0.000778316986, 
#>     (age < 23.5 | is.na(age)) & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         5895.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>         45 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00533647696, age >= 23.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         5895.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>         45 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0136893941, (age < 34.5 | is.na(age)) & job_unskilled.resident >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 5895.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>         45 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00265446468, age >= 34.5 & job_unskilled.resident >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 5895.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (duration < 
#>         45 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0089584887, (duration < 22.5 | is.na(duration)) & 
#>         age >= 25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 45 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0128326649, duration >= 
#>         22.5 & age >= 25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 45 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00565598393) + 
#>     case_when(otherParties_guarantor >= 0.5 & housing_own >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0107596051, otherPaymentPlans_bank >= 0.5 & (duration < 
#>         34.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00329461973, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         duration >= 34.5 & checkingStatus_no.checking >= 0.5 ~ 
#>         0.00406495761, residenceSince >= 2.5 & duration >= 34.5 & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00332229258, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00372296921, 
#>         personalStatus_male.single >= 0.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (housing_own < 
#>             0.5 | is.na(housing_own)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00983416662, 
#>         propertyMagnitude_life.insurance >= 0.5 & installmentCommitment >= 
#>             2.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000319606217, employment_X.1 >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (duration < 
#>             34.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00497650309, (age < 39.5 | is.na(age)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             installmentCommitment >= 2.5 & (housing_own < 0.5 | 
#>             is.na(housing_own)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0136299012, 
#>         (age < 35.5 | is.na(age)) & (duration < 11.5 | is.na(duration)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             housing_own >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00154234259, 
#>         age >= 35.5 & (duration < 11.5 | is.na(duration)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0123293949, (creditAmount < 1381.5 | is.na(creditAmount)) & 
#>             duration >= 11.5 & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) & housing_own >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.01198442, (age < 24.5 | is.na(age)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (duration < 
#>             34.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00053396821, (age < 52 | is.na(age)) & age >= 
#>             39.5 & (propertyMagnitude_life.insurance < 0.5 | 
#>             is.na(propertyMagnitude_life.insurance)) & installmentCommitment >= 
#>             2.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             9.31159375e-05, age >= 52 & age >= 39.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             installmentCommitment >= 2.5 & (housing_own < 0.5 | 
#>             is.na(housing_own)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0100986362, 
#>         (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>             creditAmount >= 1381.5 & duration >= 11.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00473650452, (numDependents < 1.5 | is.na(numDependents)) & 
#>             age >= 24.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 34.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0122946166, numDependents >= 1.5 & age >= 
#>             24.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (duration < 34.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00405463763, (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & (duration < 25.5 | is.na(duration)) & 
#>             installmentCommitment >= 1.5 & creditAmount >= 1381.5 & 
#>             duration >= 11.5 & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) & housing_own >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0118365893, ownTelephone_none >= 0.5 & (duration < 
#>             25.5 | is.na(duration)) & installmentCommitment >= 
#>             1.5 & creditAmount >= 1381.5 & duration >= 11.5 & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             housing_own >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00425840169, 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             duration >= 25.5 & installmentCommitment >= 1.5 & 
#>             creditAmount >= 1381.5 & duration >= 11.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00726959808, ownTelephone_none >= 0.5 & duration >= 
#>             25.5 & installmentCommitment >= 1.5 & creditAmount >= 
#>             1381.5 & duration >= 11.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0031941426) + case_when((savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 7897 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00393033866, savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>     7897 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0114855729, (duration < 22.5 | is.na(duration)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00994578004, duration >= 22.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00234464556, otherParties_guarantor >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00462691439, (age < 
#>     22.5 | is.na(age)) & (duration < 33 | is.na(duration)) & 
#>     (creditAmount < 7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.000466392987, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & duration >= 33 & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0073686908, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & age >= 22.5 & (duration < 
#>     33 | is.na(duration)) & (creditAmount < 7897 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0121864416, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     installmentCommitment >= 3.5 & duration >= 33 & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000842333247, employment_X1..X.4 >= 
#>     0.5 & installmentCommitment >= 3.5 & duration >= 33 & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.0123925675, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00159509655, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.000389604102, ownTelephone_none >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00860918127, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     job_skilled >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.0121330712, purpose_radio.tv >= 0.5 & job_skilled >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00385835441, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     personalStatus_female.div.dep.mar >= 0.5 & ownTelephone_none >= 
#>     0.5 & age >= 22.5 & (duration < 33 | is.na(duration)) & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00884360168, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & ownTelephone_none >= 
#>     0.5 & age >= 22.5 & (duration < 33 | is.na(duration)) & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00699144229, checkingStatus_no.checking >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     ownTelephone_none >= 0.5 & age >= 22.5 & (duration < 33 | 
#>     is.na(duration)) & (creditAmount < 7897 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0122461757, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     purpose_new.car >= 0.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & ownTelephone_none >= 
#>     0.5 & age >= 22.5 & (duration < 33 | is.na(duration)) & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00691252574, creditHistory_existing.paid >= 
#>     0.5 & purpose_new.car >= 0.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & ownTelephone_none >= 
#>     0.5 & age >= 22.5 & (duration < 33 | is.na(duration)) & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00297184102, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>     2.5 & personalStatus_female.div.dep.mar >= 0.5 & ownTelephone_none >= 
#>     0.5 & age >= 22.5 & (duration < 33 | is.na(duration)) & (creditAmount < 
#>     7897 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00802680198, checkingStatus_no.checking >= 
#>     0.5 & installmentCommitment >= 2.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & ownTelephone_none >= 0.5 & age >= 22.5 & (duration < 
#>     33 | is.na(duration)) & (creditAmount < 7897 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000408131484) + case_when((ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     creditAmount >= 6193 & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) ~ 0.000621919229, otherPaymentPlans_bank >= 
#>     0.5 & (creditAmount < 3888.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.000850535114, otherPaymentPlans_bank >= 0.5 & creditAmount >= 
#>     3888.5 & checkingStatus_no.checking >= 0.5 ~ 0.00544435112, 
#>     (creditAmount < 1972.5 | is.na(creditAmount)) & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & (creditAmount < 6193 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0133767053, 
#>     creditAmount >= 1972.5 & (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         (creditAmount < 6193 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00280500576, 
#>     (creditAmount < 7688 | is.na(creditAmount)) & ownTelephone_yes >= 
#>         0.5 & creditAmount >= 6193 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00160789909, 
#>     creditAmount >= 7688 & ownTelephone_yes >= 0.5 & creditAmount >= 
#>         6193 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0122537231, (creditAmount < 4748.5 | is.na(creditAmount)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 3888.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000775461842, creditAmount >= 4748.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         3888.5 & checkingStatus_no.checking >= 0.5 ~ -0.0103027904, 
#>     (creditAmount < 3254 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & (creditAmount < 6193 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0104635507, 
#>     creditAmount >= 3254 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & (creditAmount < 6193 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000868368603, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         3888.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0115710944, creditHistory_existing.paid >= 0.5 & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         3888.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000151014639, (age < 24.5 | is.na(age)) & job_skilled >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 3888.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00363893178, age >= 24.5 & job_skilled >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 3888.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0135972546, personalStatus_female.div.dep.mar >= 
#>         0.5 & (creditAmount < 1373 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0119099785, purpose_business >= 0.5 & creditAmount >= 
#>         1373 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00383235049, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00523574883, checkingStatus_X0..X.200 >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (creditAmount < 
#>         1373 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00396004086, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         creditAmount >= 1373 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.000314728153, housing_own >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & creditAmount >= 1373 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00718023395, (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         creditAmount >= 1373 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00110800762, purpose_furniture.equipment >= 0.5 & 
#>         propertyMagnitude_life.insurance >= 0.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & creditAmount >= 1373 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00529152434) + case_when(creditAmount >= 7391 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.0068292981, employment_unemployed >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00206875685, otherParties_guarantor >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0106026586, (creditAmount < 2040.5 | is.na(creditAmount)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0125223957, creditAmount >= 2040.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.000929818489, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>     checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00291847764, personalStatus_female.div.dep.mar >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (creditAmount < 7391 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00278630527, (duration < 
#>     15 | is.na(duration)) & job_unskilled.resident >= 0.5 & (creditAmount < 
#>     7391 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00358542404, duration >= 
#>     15 & job_unskilled.resident >= 0.5 & (creditAmount < 7391 | 
#>     is.na(creditAmount)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00819811411, personalStatus_female.div.dep.mar >= 
#>     0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00453259237, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & job_skilled >= 0.5 & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00118250726, employment_X..7 >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (creditAmount < 7391 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.000550837547, (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0124333249, otherPaymentPlans_bank >= 0.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00508324476, (housing_own < 0.5 | is.na(housing_own)) & 
#>     personalStatus_female.div.dep.mar >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00874487404, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 3.78869518e-05, residenceSince >= 
#>     2.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00482938439, personalStatus_female.div.dep.mar >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & job_skilled >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0040369886, (age < 33.5 | is.na(age)) & 
#>     housing_own >= 0.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>     checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00125364854, age >= 
#>     33.5 & housing_own >= 0.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>     checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00702210516, (age < 
#>     30 | is.na(age)) & (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & savingsStatus_X.100 >= 
#>     0.5 & job_skilled >= 0.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0046673296, age >= 30 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & savingsStatus_X.100 >= 
#>     0.5 & job_skilled >= 0.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0129270665, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (creditAmount < 7391 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00488189049, ownTelephone_yes >= 
#>     0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (creditAmount < 7391 | 
#>     is.na(creditAmount)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0128694456, (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & employment_X1..X.4 >= 0.5 & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (creditAmount < 7391 | 
#>     is.na(creditAmount)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00690192031, purpose_radio.tv >= 
#>     0.5 & employment_X1..X.4 >= 0.5 & (employment_X..7 < 0.5 | 
#>     is.na(employment_X..7)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (creditAmount < 7391 | 
#>     is.na(creditAmount)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00165942952) + case_when(creditAmount >= 
#>     7447 & checkingStatus_no.checking >= 0.5 ~ 0.00362130674, 
#>     propertyMagnitude_life.insurance >= 0.5 & (duration < 11.5 | 
#>         is.na(duration)) & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.00395343872, 
#>     (creditAmount < 1549 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (duration < 
#>         11.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0131239044, 
#>     creditAmount >= 1549 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (duration < 
#>         11.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00465436373, 
#>     duration >= 22.5 & purpose_new.car >= 0.5 & duration >= 11.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0122316061, (creditAmount < 2080 | is.na(creditAmount)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 7447 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0053390041, creditAmount >= 2080 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 
#>         7447 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.0028933424, (age < 23.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 7447 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00160241185, otherParties_guarantor >= 0.5 & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         11.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00833559223, purpose_furniture.equipment >= 0.5 & 
#>         propertyMagnitude_car >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000419124204, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (duration < 
#>         22.5 | is.na(duration)) & purpose_new.car >= 0.5 & duration >= 
#>         11.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00775539316, residenceSince >= 2.5 & (duration < 22.5 | 
#>         is.na(duration)) & purpose_new.car >= 0.5 & duration >= 
#>         11.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0017209322, purpose_furniture.equipment >= 0.5 & age >= 
#>         23.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>         7447 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00584005797, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         propertyMagnitude_car >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00992335193, 
#>     ownTelephone_yes >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & propertyMagnitude_car >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 11.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.00189432746, 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 23.5 & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 7447 | 
#>         is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.01261188, purpose_education >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 23.5 & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 7447 | 
#>         is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00368914427, creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 2603.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00908741448, 
#>     (duration < 16.5 | is.na(duration)) & (age < 28.5 | is.na(age)) & 
#>         (creditAmount < 2603.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00326845469, 
#>     duration >= 16.5 & (age < 28.5 | is.na(age)) & (creditAmount < 
#>         2603.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00795360934, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         age >= 28.5 & (creditAmount < 2603.5 | is.na(creditAmount)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         11.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00388774741, savingsStatus_X.100 >= 0.5 & age >= 28.5 & 
#>         (creditAmount < 2603.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0145460693, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2603.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00370226521, 
#>     savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2603.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00363847218) + 
#>     case_when(employment_unemployed >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00254257349, age >= 28.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0111377789, existingCredits >= 1.5 & (creditAmount < 
#>         1274.5 | is.na(creditAmount)) & (duration < 20.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00671231793, otherPaymentPlans_bank >= 0.5 & creditAmount >= 
#>         1274.5 & (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00273728068, 
#>         purpose_new.car >= 0.5 & (creditAmount < 6205.5 | is.na(creditAmount)) & 
#>             duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.006016762, 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             creditAmount >= 6205.5 & duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0119947195, 
#>         job_high.qualif.self.emp.mgmt >= 0.5 & creditAmount >= 
#>             6205.5 & duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00359499408, 
#>         duration >= 25.5 & (age < 28.5 | is.na(age)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00723341247, (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & (creditAmount < 1274.5 | 
#>             is.na(creditAmount)) & (duration < 20.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0054629622, propertyMagnitude_real.estate >= 0.5 & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (creditAmount < 1274.5 | is.na(creditAmount)) & (duration < 
#>             20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00257760752, 
#>         job_high.qualif.self.emp.mgmt >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>             1274.5 & (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00407567341, 
#>         purpose_used.car >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 6205.5 | is.na(creditAmount)) & duration >= 
#>             20.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0133765237, (duration < 11 | is.na(duration)) & 
#>             (duration < 25.5 | is.na(duration)) & (age < 28.5 | 
#>             is.na(age)) & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00412060646, 
#>         duration >= 11 & (duration < 25.5 | is.na(duration)) & 
#>             (age < 28.5 | is.na(age)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0106450068, (age < 26.5 | is.na(age)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             creditAmount >= 1274.5 & (duration < 20.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00627869694, age >= 26.5 & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>             1274.5 & (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0133390538, 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 6205.5 | is.na(creditAmount)) & duration >= 
#>             20.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00602506846, (creditAmount < 2008 | is.na(creditAmount)) & 
#>             (creditAmount < 2944 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 6205.5 | is.na(creditAmount)) & duration >= 
#>             20.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00253329799, creditAmount >= 2008 & (creditAmount < 
#>             2944 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 6205.5 | is.na(creditAmount)) & duration >= 
#>             20.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00712463725, (creditAmount < 3559 | is.na(creditAmount)) & 
#>             creditAmount >= 2944 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 6205.5 | is.na(creditAmount)) & duration >= 
#>             20.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0130239362, creditAmount >= 3559 & creditAmount >= 
#>             2944 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 6205.5 | is.na(creditAmount)) & duration >= 
#>             20.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000422018114) + case_when(employment_unemployed >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00217777397, 
#>     employment_X4..X.7 >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00076568895, (creditAmount < 1524.5 | is.na(creditAmount)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0131939817, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & savingsStatus_no.known.savings >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00135830278, personalStatus_male.single >= 0.5 & savingsStatus_no.known.savings >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00870495383, (age < 25.5 | is.na(age)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00425665267, creditAmount >= 4276.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00436744932, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         age >= 25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0112768887, 
#>     installmentCommitment >= 3.5 & age >= 25.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00209466787, (duration < 16.5 | is.na(duration)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditAmount >= 1524.5 & (employment_unemployed < 0.5 | 
#>         is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00741160382, (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 1524.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00231023692, age >= 38 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00766553311, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000649066234, (duration < 17 | is.na(duration)) & 
#>         (creditAmount < 4276.5 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00997637864, duration >= 17 & (creditAmount < 4276.5 | 
#>         is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00228201691, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         duration >= 16.5 & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & creditAmount >= 
#>         1524.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00907536689, residenceSince >= 
#>         2.5 & duration >= 16.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         1524.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00407328643, (age < 
#>         43.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 1524.5 & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.011773793, age >= 
#>         43.5 & otherPaymentPlans_none >= 0.5 & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 1524.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00420656055, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (age < 38 | is.na(age)) & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00695846835, purpose_new.car >= 0.5 & (age < 38 | 
#>         is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00142775755, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         residenceSince >= 1.5 & installmentCommitment >= 2.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00243456173, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         residenceSince >= 1.5 & installmentCommitment >= 2.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00204976788, savingsStatus_X.100 >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0124771129) + case_when((otherParties_none < 0.5 | 
#>     is.na(otherParties_none)) & checkingStatus_X.0 >= 0.5 ~ -0.00559911132, 
#>     creditAmount >= 9763 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00561423879, (creditAmount < 2059.5 | is.na(creditAmount)) & 
#>         purpose_business >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.00600291044, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 
#>         2059.5 & purpose_business >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00225235941, propertyMagnitude_car >= 
#>         0.5 & creditAmount >= 2059.5 & purpose_business >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00073455635, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.00276761339, personalStatus_male.single >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00926400442, propertyMagnitude_no.known.property >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & (creditAmount < 
#>         9763 | is.na(creditAmount)) & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ 0.00306338491, propertyMagnitude_life.insurance >= 
#>         0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.00529939821, purpose_radio.tv >= 0.5 & ownTelephone_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.00140379637, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0136160944, (creditAmount < 
#>         2103.5 | is.na(creditAmount)) & otherPaymentPlans_bank >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00644091517, creditAmount >= 
#>         2103.5 & otherPaymentPlans_bank >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         9763 | is.na(creditAmount)) & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.00207554665, (age < 23.5 | 
#>         is.na(age)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.000281286804, (age < 
#>         34.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.0083783241, age >= 34.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.000171813517, age >= 28.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & ownTelephone_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.0144849652, creditAmount >= 3248.5 & employment_X1..X.4 >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00167245057, creditAmount >= 
#>         3884 & age >= 23.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00106853514, (duration < 
#>         19.5 | is.na(duration)) & (age < 28.5 | is.na(age)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         ownTelephone_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.000740716467, duration >= 19.5 & (age < 28.5 | is.na(age)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         ownTelephone_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00691047637, (creditAmount < 1293.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3248.5 | is.na(creditAmount)) & employment_X1..X.4 >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00361967576, creditAmount >= 
#>         1293.5 & (creditAmount < 3248.5 | is.na(creditAmount)) & 
#>         employment_X1..X.4 >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         9763 | is.na(creditAmount)) & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.0123692807, (creditAmount < 
#>         1301.5 | is.na(creditAmount)) & (creditAmount < 3884 | 
#>         is.na(creditAmount)) & age >= 23.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00173043425, creditAmount >= 
#>         1301.5 & (creditAmount < 3884 | is.na(creditAmount)) & 
#>         age >= 23.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 9763 | is.na(creditAmount)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0123285409) + case_when((housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & purpose_used.car >= 0.5 ~ 
#>     -0.0129793808, housing_for.free >= 0.5 & purpose_used.car >= 
#>     0.5 ~ -0.00421981514, housing_rent >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & duration >= 17 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ 0.00426856196, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>     1137 | is.na(creditAmount)) & (duration < 17 | is.na(duration)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00747846393, 
#>     ownTelephone_none >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1137 | is.na(creditAmount)) & (duration < 17 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00567513704, (creditAmount < 727 | is.na(creditAmount)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (creditAmount < 
#>         1137 | is.na(creditAmount)) & (duration < 17 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0117208939, creditAmount >= 727 & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1137 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00499978848, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditAmount >= 1137 & (duration < 17 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0136570223, employment_X.1 >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1137 & (duration < 17 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.000760429422, (creditAmount < 
#>         2230 | is.na(creditAmount)) & propertyMagnitude_life.insurance >= 
#>         0.5 & creditAmount >= 1137 & (duration < 17 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0110468986, creditAmount >= 2230 & propertyMagnitude_life.insurance >= 
#>         0.5 & creditAmount >= 1137 & (duration < 17 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00358290714, (creditAmount < 1427.5 | is.na(creditAmount)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 17 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000616328791, (duration < 22.5 | is.na(duration)) & 
#>         housing_rent >= 0.5 & savingsStatus_X.100 >= 0.5 & duration >= 
#>         17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00436913827, duration >= 22.5 & housing_rent >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 17 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0116423378, savingsStatus_X500..X.1000 >= 
#>         0.5 & creditAmount >= 1427.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00152766297, propertyMagnitude_life.insurance >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000617747719, purpose_radio.tv >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00931493845, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         creditAmount >= 1427.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00315039605, personalStatus_male.single >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & creditAmount >= 
#>         1427.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0114035439, employment_X..7 >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 0.5 & 
#>         duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00220375252, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         checkingStatus_no.checking >= 0.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & savingsStatus_X.100 >= 0.5 & duration >= 
#>         17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00510749547, personalStatus_male.single >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00644267257, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 0.5 & 
#>         duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00448989542, residenceSince >= 1.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & savingsStatus_X.100 >= 0.5 & 
#>         duration >= 17 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0125976568) + case_when(duration >= 28.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.00784558151, (creditAmount < 
#>     1118.5 | is.na(creditAmount)) & (duration < 28.5 | is.na(duration)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     0.00701812236, creditAmount >= 10725.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & otherPaymentPlans_none >= 
#>     0.5 ~ 0.00592936203, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     creditAmount >= 1118.5 & (duration < 28.5 | is.na(duration)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     -0.000828806893, duration >= 22.5 & (job_skilled < 0.5 | 
#>     is.na(job_skilled)) & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ -0.00177732855, creditHistory_critical.other.existing.credit >= 
#>     0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ -0.0079136854, (age < 30 | is.na(age)) & installmentCommitment >= 
#>     2.5 & creditAmount >= 1118.5 & (duration < 28.5 | is.na(duration)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     -0.00279491604, age >= 30 & installmentCommitment >= 2.5 & 
#>     creditAmount >= 1118.5 & (duration < 28.5 | is.na(duration)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     -0.0110149467, (age < 22.5 | is.na(age)) & (duration < 25.5 | 
#>     is.na(duration)) & (creditAmount < 10725.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00178236328, (age < 29.5 | 
#>     is.na(age)) & duration >= 25.5 & (creditAmount < 10725.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.00466699339, (age < 36.5 | 
#>     is.na(age)) & (duration < 22.5 | is.na(duration)) & (job_skilled < 
#>     0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ -0.0106347864, age >= 36.5 & (duration < 22.5 | is.na(duration)) & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ -0.0025356533, (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ 0.0103289289, purpose_furniture.equipment >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ -0.00054664287, (age < 40 | is.na(age)) & age >= 29.5 & 
#>     duration >= 25.5 & (creditAmount < 10725.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.010039242, age >= 40 & 
#>     age >= 29.5 & duration >= 25.5 & (creditAmount < 10725.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.00245047198, (age < 31.5 | 
#>     is.na(age)) & purpose_furniture.equipment >= 0.5 & age >= 
#>     22.5 & (duration < 25.5 | is.na(duration)) & (creditAmount < 
#>     10725.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & otherPaymentPlans_none >= 0.5 ~ 
#>     -0.00809789915, age >= 31.5 & purpose_furniture.equipment >= 
#>     0.5 & age >= 22.5 & (duration < 25.5 | is.na(duration)) & 
#>     (creditAmount < 10725.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & otherPaymentPlans_none >= 
#>     0.5 ~ -0.000505731092, (savingsStatus_X100..X.500 < 0.5 | 
#>     is.na(savingsStatus_X100..X.500)) & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) & (purpose_furniture.equipment < 0.5 | 
#>     is.na(purpose_furniture.equipment)) & age >= 22.5 & (duration < 
#>     25.5 | is.na(duration)) & (creditAmount < 10725.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.0120165776, savingsStatus_X100..X.500 >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & age >= 22.5 & 
#>     (duration < 25.5 | is.na(duration)) & (creditAmount < 10725.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00533334818, (age < 25.5 | 
#>     is.na(age)) & employment_X.1 >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & age >= 22.5 & 
#>     (duration < 25.5 | is.na(duration)) & (creditAmount < 10725.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.000618730148, age >= 25.5 & 
#>     employment_X.1 >= 0.5 & (purpose_furniture.equipment < 0.5 | 
#>     is.na(purpose_furniture.equipment)) & age >= 22.5 & (duration < 
#>     25.5 | is.na(duration)) & (creditAmount < 10725.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00801872276) + case_when((housing_own < 
#>     0.5 | is.na(housing_own)) & creditHistory_all.paid >= 0.5 ~ 
#>     0.00959540624, housing_own >= 0.5 & creditHistory_all.paid >= 
#>     0.5 ~ 0.003548173, creditHistory_no.credits.all.paid >= 0.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00707365153, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     checkingStatus_no.checking >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00367954513, creditHistory_existing.paid >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     checkingStatus_no.checking >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00554198073, (age < 
#>     23.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00107862649, creditHistory_delayed.previously >= 0.5 & 
#>     age >= 23.5 & otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00362764299, (creditAmount < 2329.5 | is.na(creditAmount)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000300226937, creditAmount >= 2329.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00247863517, (creditAmount < 
#>     1237 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00385910971, (creditAmount < 971 | is.na(creditAmount)) & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00329183368, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     creditAmount >= 3914 & creditHistory_existing.paid >= 0.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00104553613, job_skilled >= 0.5 & creditAmount >= 3914 & 
#>     creditHistory_existing.paid >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00756538147, (creditAmount < 
#>     5873.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & age >= 23.5 & 
#>     otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0123134004, creditAmount >= 5873.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & age >= 23.5 & 
#>     otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00506167579, (age < 26.5 | is.na(age)) & creditAmount >= 
#>     1237 & otherPaymentPlans_none >= 0.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00114983588, age >= 
#>     26.5 & creditAmount >= 1237 & otherPaymentPlans_none >= 0.5 & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.012970034, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     creditAmount >= 971 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>     creditHistory_existing.paid >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00298700808, residenceSince >= 
#>     2.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     creditAmount >= 971 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>     creditHistory_existing.paid >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0124344369, (duration < 
#>     13.5 | is.na(duration)) & employment_X1..X.4 >= 0.5 & creditAmount >= 
#>     971 & (creditAmount < 3914 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00780108804, duration >= 13.5 & employment_X1..X.4 >= 
#>     0.5 & creditAmount >= 971 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>     creditHistory_existing.paid >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00516829966) + case_when(duration >= 
#>     31.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.00111034745, otherPaymentPlans_bank >= 0.5 & (duration < 
#>     16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.000963709259, job_high.qualif.self.emp.mgmt >= 0.5 & (duration < 
#>     31.5 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00312471204, creditAmount >= 4065 & (age < 27.5 | 
#>     is.na(age)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00849717017, (creditAmount < 1223.5 | is.na(creditAmount)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (duration < 31.5 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00463264855, propertyMagnitude_real.estate >= 0.5 & 
#>     (creditAmount < 1488.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (duration < 16.5 | 
#>     is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0114700301, (creditAmount < 3585 | is.na(creditAmount)) & 
#>     creditAmount >= 1488.5 & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & (duration < 16.5 | is.na(duration)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0131394435, creditAmount >= 3585 & creditAmount >= 1488.5 & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00292780949, creditAmount >= 3464.5 & (creditAmount < 
#>     4065 | is.na(creditAmount)) & (age < 27.5 | is.na(age)) & 
#>     duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0100561213, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     checkingStatus_X.0 >= 0.5 & age >= 27.5 & duration >= 16.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00232035341, installmentCommitment >= 3.5 & checkingStatus_X.0 >= 
#>     0.5 & age >= 27.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00963043887, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     creditAmount >= 1223.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (duration < 
#>     31.5 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.0136871403, employment_X1..X.4 >= 0.5 & creditAmount >= 
#>     1223.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (duration < 31.5 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00733015081, (creditAmount < 906 | is.na(creditAmount)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (creditAmount < 1488.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (duration < 16.5 | 
#>     is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00321020233, creditAmount >= 906 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>     1488.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (duration < 16.5 | 
#>     is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00258711004, (duration < 22.5 | is.na(duration)) & (creditAmount < 
#>     3464.5 | is.na(creditAmount)) & (creditAmount < 4065 | is.na(creditAmount)) & 
#>     (age < 27.5 | is.na(age)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.0116668781, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & age >= 27.5 & duration >= 
#>     16.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ 0.00535561843, 
#>     creditHistory_existing.paid >= 0.5 & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 27.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00480309967, housing_for.free >= 0.5 & job_skilled >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 27.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00313025224, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         duration >= 22.5 & (creditAmount < 3464.5 | is.na(creditAmount)) & 
#>         (creditAmount < 4065 | is.na(creditAmount)) & (age < 
#>         27.5 | is.na(age)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00522785587, installmentCommitment >= 3.5 & duration >= 
#>         22.5 & (creditAmount < 3464.5 | is.na(creditAmount)) & 
#>         (creditAmount < 4065 | is.na(creditAmount)) & (age < 
#>         27.5 | is.na(age)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00490750466, (creditAmount < 3658 | is.na(creditAmount)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         job_skilled >= 0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 27.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0103263939, creditAmount >= 3658 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & job_skilled >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 27.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00426966231) + case_when(savingsStatus_X100..X.500 >= 
#>     0.5 & (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00679691229, 
#>     (age < 32.5 | is.na(age)) & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00915737357, age >= 32.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.000872195407, (age < 24.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00393887283, 
#>     otherParties_guarantor >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0102392873, 
#>     savingsStatus_no.known.savings >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00624074787, 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         purpose_new.car >= 0.5 & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0127966162, 
#>     checkingStatus_X0..X.200 >= 0.5 & purpose_new.car >= 0.5 & 
#>         duration >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.00206623645, employment_X.1 >= 
#>         0.5 & age >= 24.5 & otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00200008485, duration >= 43.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00831614994, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & age >= 24.5 & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00399646442, 
#>     creditAmount >= 2087.5 & (age < 26.5 | is.na(age)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00737694185, 
#>     employment_X..7 >= 0.5 & (duration < 43.5 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00450177724, (creditHistory_delayed.previously < 0.5 | 
#>         is.na(creditHistory_delayed.previously)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & age >= 24.5 & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.0132764913, 
#>     creditHistory_delayed.previously >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & age >= 24.5 & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00518299919, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditAmount < 2087.5 | is.na(creditAmount)) & (age < 
#>         26.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00258287694, 
#>     savingsStatus_X.100 >= 0.5 & (creditAmount < 2087.5 | is.na(creditAmount)) & 
#>         (age < 26.5 | is.na(age)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00856217928, 
#>     (age < 37.5 | is.na(age)) & (creditAmount < 1340.5 | is.na(creditAmount)) & 
#>         age >= 26.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00598437572, 
#>     age >= 37.5 & (creditAmount < 1340.5 | is.na(creditAmount)) & 
#>         age >= 26.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00467178319, 
#>     (age < 33.5 | is.na(age)) & creditAmount >= 1340.5 & age >= 
#>         26.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0108846575, 
#>     installmentCommitment >= 3.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (duration < 43.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00718855904, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & age >= 
#>         33.5 & creditAmount >= 1340.5 & age >= 26.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00239141006, 
#>     existingCredits >= 1.5 & age >= 33.5 & creditAmount >= 1340.5 & 
#>         age >= 26.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00890295487, 
#>     (duration < 33 | is.na(duration)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (duration < 43.5 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00320918858, duration >= 33 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (duration < 43.5 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00726636173) + case_when(creditAmount >= 10918 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00896587316, propertyMagnitude_car >= 
#>     0.5 & (creditAmount < 1372.5 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0130563434, otherPaymentPlans_bank >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.0012437203, (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (creditAmount < 1372.5 | 
#>     is.na(creditAmount)) & checkingStatus_X.0 >= 0.5 ~ 0.00120554306, 
#>     purpose_new.car >= 0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (creditAmount < 1372.5 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00399197079, duration >= 25.5 & (creditAmount < 
#>         4276.5 | is.na(creditAmount)) & creditAmount >= 1372.5 & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.00223979284, duration >= 
#>         39.5 & creditAmount >= 4276.5 & creditAmount >= 1372.5 & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.00996133592, personalStatus_male.single >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00930271856, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         duration >= 25.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00609265268, propertyMagnitude_car >= 
#>         0.5 & duration >= 25.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00294475141, job_unskilled.resident >= 0.5 & (duration < 
#>         25.5 | is.na(duration)) & (creditAmount < 4276.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1372.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.012271299, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (duration < 39.5 | is.na(duration)) & creditAmount >= 
#>         4276.5 & creditAmount >= 1372.5 & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00401137723, job_skilled >= 0.5 & (duration < 
#>         39.5 | is.na(duration)) & creditAmount >= 4276.5 & creditAmount >= 
#>         1372.5 & checkingStatus_X.0 >= 0.5 ~ 0.00630313205, (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0118256342, employment_X.1 >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00441607367, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & job_unskilled.resident >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00763511658, creditHistory_existing.paid >= 
#>         0.5 & job_unskilled.resident >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00227230322, purpose_radio.tv >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (duration < 25.5 | is.na(duration)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00766233075, residenceSince >= 3.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (duration < 25.5 | 
#>         is.na(duration)) & (creditAmount < 4276.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1372.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.00782437623, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (duration < 25.5 | is.na(duration)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00625403551, installmentCommitment >= 3.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (duration < 
#>         25.5 | is.na(duration)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00264685275, (age < 28.5 | is.na(age)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (duration < 25.5 | 
#>         is.na(duration)) & (creditAmount < 4276.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1372.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.00459077954, age >= 28.5 & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & (duration < 25.5 | is.na(duration)) & 
#>         (creditAmount < 4276.5 | is.na(creditAmount)) & creditAmount >= 
#>         1372.5 & checkingStatus_X.0 >= 0.5 ~ 0.00400206633) + 
#>     case_when(creditAmount >= 2525 & (residenceSince < 1.5 | 
#>         is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0115239033, 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00601469679, existingCredits >= 1.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00317584607, creditAmount >= 6532.5 & otherPaymentPlans_none >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00301171863, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (creditAmount < 2525 | is.na(creditAmount)) & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00104377919, 
#>         personalStatus_male.single >= 0.5 & (creditAmount < 2525 | 
#>             is.na(creditAmount)) & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00708580762, employment_X.1 >= 0.5 & duration >= 
#>             22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0129361833, 
#>         residenceSince >= 2.5 & (creditAmount < 6532.5 | is.na(creditAmount)) & 
#>             otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0119059719, (creditAmount < 1110.5 | is.na(creditAmount)) & 
#>             propertyMagnitude_real.estate >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00375152426, creditAmount >= 1110.5 & propertyMagnitude_real.estate >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0118800281, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (creditAmount < 6532.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ -0.0109867416, 
#>         purpose_new.car >= 0.5 & (creditAmount < 1423 | is.na(creditAmount)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (duration < 22.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00672062719, checkingStatus_X.0 >= 0.5 & creditAmount >= 
#>             1423 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (duration < 22.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000783741067, purpose_used.car >= 0.5 & creditAmount >= 
#>             3922 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00327944104, 
#>         (creditAmount < 1836 | is.na(creditAmount)) & installmentCommitment >= 
#>             3.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (creditAmount < 6532.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00378934992, 
#>         creditAmount >= 1836 & installmentCommitment >= 3.5 & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (creditAmount < 6532.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00147245836, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 1423 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00085240067, installmentCommitment >= 3.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditAmount < 1423 | 
#>             is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00216934481, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 
#>             1423 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (duration < 22.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00321299047, personalStatus_male.single >= 0.5 & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             creditAmount >= 1423 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0101341391, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3922 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & duration >= 22.5 & 
#>             residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0123543609, 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (creditAmount < 3922 | 
#>             is.na(creditAmount)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.000575319747, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditAmount < 3922 | 
#>             is.na(creditAmount)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00236651627, 
#>         personalStatus_male.single >= 0.5 & checkingStatus_X.0 >= 
#>             0.5 & (creditAmount < 3922 | is.na(creditAmount)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00608276576, 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 3922 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00965560693, 
#>         purpose_furniture.equipment >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>             3922 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.000444998557) + 
#>     case_when(creditAmount >= 3954 & (duration < 15.5 | is.na(duration)) ~ 
#>         0.00564401969, propertyMagnitude_no.known.property >= 
#>         0.5 & (creditAmount < 3954 | is.na(creditAmount)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00136099569, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_used.car >= 
#>         0.5 & duration >= 15.5 ~ -0.0125948489, personalStatus_female.div.dep.mar >= 
#>         0.5 & purpose_used.car >= 0.5 & duration >= 15.5 ~ -0.00019659035, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (creditAmount < 
#>             799.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 3954 | is.na(creditAmount)) & (duration < 
#>             15.5 | is.na(duration)) ~ -0.00555042364, job_skilled >= 
#>             0.5 & (creditAmount < 799.5 | is.na(creditAmount)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 3954 | is.na(creditAmount)) & (duration < 
#>             15.5 | is.na(duration)) ~ 0.00154988165, checkingStatus_X.0 >= 
#>             0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.0033365516, purpose_radio.tv >= 
#>             0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             -0.00829081796, (age < 32.5 | is.na(age)) & residenceSince >= 
#>             2.5 & checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             0.000569709693, age >= 32.5 & residenceSince >= 2.5 & 
#>             checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             -0.0105427466, (creditAmount < 1461 | is.na(creditAmount)) & 
#>             (age < 25.5 | is.na(age)) & creditAmount >= 799.5 & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 3954 | is.na(creditAmount)) & (duration < 
#>             15.5 | is.na(duration)) ~ -0.00981580932, creditAmount >= 
#>             1461 & (age < 25.5 | is.na(age)) & creditAmount >= 
#>             799.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & (creditAmount < 
#>             3954 | is.na(creditAmount)) & (duration < 15.5 | 
#>             is.na(duration)) ~ 0.000113874179, (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & age >= 25.5 & 
#>             creditAmount >= 799.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 3954 | is.na(creditAmount)) & (duration < 
#>             15.5 | is.na(duration)) ~ -0.0131299598, (age < 29.5 | 
#>             is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.0025127714, age >= 29.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             -0.0111412257, (duration < 22.5 | is.na(duration)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             -0.0100779841, (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.011845802, creditHistory_critical.other.existing.credit >= 
#>             0.5 & checkingStatus_X.0 >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 9.65043509e-05, (age < 31.5 | 
#>             is.na(age)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             0.010308437, age >= 31.5 & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) & (residenceSince < 2.5 | 
#>             is.na(residenceSince)) & checkingStatus_no.checking >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.000389192137, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             checkingStatus_X.0 >= 0.5 & age >= 25.5 & creditAmount >= 
#>             799.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & (creditAmount < 
#>             3954 | is.na(creditAmount)) & (duration < 15.5 | 
#>             is.na(duration)) ~ 0.0024384819, propertyMagnitude_life.insurance >= 
#>             0.5 & checkingStatus_X.0 >= 0.5 & age >= 25.5 & creditAmount >= 
#>             799.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & (creditAmount < 
#>             3954 | is.na(creditAmount)) & (duration < 15.5 | 
#>             is.na(duration)) ~ -0.007943579, (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & duration >= 22.5 & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             0.00905769411, ownTelephone_none >= 0.5 & duration >= 
#>             22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             -0.00212036772) + case_when((age < 28.5 | is.na(age)) & 
#>     existingCredits >= 1.5 & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) ~ 0.00158518786, employment_X.1 >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     checkingStatus_no.checking >= 0.5 ~ -0.000800139445, (age < 
#>     39.5 | is.na(age)) & otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 ~ 0.00291167409, age >= 39.5 & otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00442416547, 
#>     purpose_used.car >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00798152108, 
#>     residenceSince >= 3.5 & purpose_new.car >= 0.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000930600974, 
#>     purpose_radio.tv >= 0.5 & age >= 28.5 & existingCredits >= 
#>         1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00339061813, (creditAmount < 6687.5 | is.na(creditAmount)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0120084975, creditAmount >= 6687.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00480018929, duration >= 40.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0110267317, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & purpose_new.car >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00307846908, savingsStatus_X.100 >= 0.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & purpose_new.car >= 0.5 & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0138160046, 
#>     (age < 52 | is.na(age)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         age >= 28.5 & existingCredits >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0113983275, 
#>     age >= 52 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         age >= 28.5 & existingCredits >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00041459038, 
#>     employment_X4..X.7 >= 0.5 & (duration < 40.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.010248227, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 40.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00476086419, (creditAmount < 3515.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (duration < 40.5 | 
#>         is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000638895028, 
#>     creditAmount >= 3515.5 & creditHistory_existing.paid >= 0.5 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 40.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00854072627) + case_when(employment_X..7 >= 0.5 & 
#>     creditAmount >= 3776.5 & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) ~ 0.00950012822, (duration < 
#>     16.5 | is.na(duration)) & (age < 26.5 | is.na(age)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.00824680831, duration >= 16.5 & (age < 26.5 | is.na(age)) & 
#>     checkingStatus_no.checking >= 0.5 ~ 0.00251571671, purpose_education >= 
#>     0.5 & age >= 26.5 & checkingStatus_no.checking >= 0.5 ~ 0.00103418308, 
#>     age >= 38 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 3776.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0117173959, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & creditAmount >= 
#>         3776.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00809598248, savingsStatus_X500..X.1000 >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 26.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00305964425, propertyMagnitude_car >= 0.5 & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0119131245, 
#>     duration >= 28.5 & creditAmount >= 1373 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00398155814, 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (age < 38 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 3776.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00888223853, propertyMagnitude_real.estate >= 0.5 & 
#>         (age < 38 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 3776.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00138125138, (age < 27.5 | is.na(age)) & personalStatus_male.single >= 
#>         0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 3776.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00103163719, 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         age >= 26.5 & checkingStatus_no.checking >= 0.5 ~ -0.0125093274, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 26.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00393487606, (creditAmount < 725 | is.na(creditAmount)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00987535715, 
#>     creditAmount >= 2963 & (duration < 28.5 | is.na(duration)) & 
#>         creditAmount >= 1373 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000133950016, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         age >= 27.5 & personalStatus_male.single >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & creditAmount >= 3776.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000914294622, creditHistory_existing.paid >= 0.5 & 
#>         age >= 27.5 & personalStatus_male.single >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & creditAmount >= 3776.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00550690945, (age < 27.5 | is.na(age)) & creditAmount >= 
#>         725 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0011029304, 
#>     age >= 27.5 & creditAmount >= 725 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (creditAmount < 
#>         1373 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00827986281, 
#>     (age < 25.5 | is.na(age)) & (creditAmount < 2963 | is.na(creditAmount)) & 
#>         (duration < 28.5 | is.na(duration)) & creditAmount >= 
#>         1373 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000774718588, 
#>     age >= 25.5 & (creditAmount < 2963 | is.na(creditAmount)) & 
#>         (duration < 28.5 | is.na(duration)) & creditAmount >= 
#>         1373 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 3776.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0102951024) + 
#>     case_when((duration < 45 | is.na(duration)) & creditAmount >= 
#>         6268.5 & (age < 31.5 | is.na(age)) ~ 0.0116563533, duration >= 
#>         45 & creditAmount >= 6268.5 & (age < 31.5 | is.na(age)) ~ 
#>         0.00436120154, savingsStatus_no.known.savings >= 0.5 & 
#>         propertyMagnitude_no.known.property >= 0.5 & age >= 31.5 ~ 
#>         -0.00870330632, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         personalStatus_male.single >= 0.5 & (creditAmount < 6268.5 | 
#>         is.na(creditAmount)) & (age < 31.5 | is.na(age)) ~ -0.000416868017, 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 31.5 ~ -0.0112895835, (creditAmount < 1541 | 
#>             is.na(creditAmount)) & otherPaymentPlans_bank >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & age >= 
#>             31.5 ~ 0.00600974681, creditAmount >= 1541 & otherPaymentPlans_bank >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & age >= 
#>             31.5 ~ -0.00293200184, checkingStatus_X0..X.200 >= 
#>             0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & age >= 
#>             31.5 ~ 0.0112528326, job_unskilled.resident >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (creditAmount < 6268.5 | is.na(creditAmount)) & (age < 
#>             31.5 | is.na(age)) ~ -0.00181781093, (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & checkingStatus_no.checking >= 
#>             0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (creditAmount < 6268.5 | is.na(creditAmount)) & (age < 
#>             31.5 | is.na(age)) ~ -0.00132499763, creditHistory_existing.paid >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>             6268.5 | is.na(creditAmount)) & (age < 31.5 | is.na(age)) ~ 
#>             -0.00761208357, residenceSince >= 3.5 & otherPaymentPlans_none >= 
#>             0.5 & personalStatus_male.single >= 0.5 & (creditAmount < 
#>             6268.5 | is.na(creditAmount)) & (age < 31.5 | is.na(age)) ~ 
#>             -0.00142884534, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             checkingStatus_X.0 >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 31.5 ~ 0.000320230931, job_high.qualif.self.emp.mgmt >= 
#>             0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & age >= 
#>             31.5 ~ -0.00649732351, purpose_radio.tv >= 0.5 & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (creditAmount < 6268.5 | is.na(creditAmount)) & (age < 
#>             31.5 | is.na(age)) ~ -0.00162443763, (creditAmount < 
#>             4367.5 | is.na(creditAmount)) & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & otherPaymentPlans_none >= 
#>             0.5 & personalStatus_male.single >= 0.5 & (creditAmount < 
#>             6268.5 | is.na(creditAmount)) & (age < 31.5 | is.na(age)) ~ 
#>             -0.0114175798, creditAmount >= 4367.5 & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & otherPaymentPlans_none >= 
#>             0.5 & personalStatus_male.single >= 0.5 & (creditAmount < 
#>             6268.5 | is.na(creditAmount)) & (age < 31.5 | is.na(age)) ~ 
#>             -0.00239306409, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             residenceSince >= 2.5 & checkingStatus_X.0 >= 0.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 31.5 ~ 0.000986692146, ownTelephone_none >= 
#>             0.5 & residenceSince >= 2.5 & checkingStatus_X.0 >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 31.5 ~ -0.0105635487, (age < 52 | is.na(age)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & age >= 
#>             31.5 ~ -0.00344268372, age >= 52 & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & propertyMagnitude_no.known.property >= 
#>             0.5 & age >= 31.5 ~ 0.00681943772, (installmentCommitment < 
#>             1.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>             6268.5 | is.na(creditAmount)) & (age < 31.5 | is.na(age)) ~ 
#>             -0.000748950988, (age < 23.5 | is.na(age)) & installmentCommitment >= 
#>             1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (creditAmount < 6268.5 | is.na(creditAmount)) & (age < 
#>             31.5 | is.na(age)) ~ 0.00264965976, age >= 23.5 & 
#>             installmentCommitment >= 1.5 & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>             6268.5 | is.na(creditAmount)) & (age < 31.5 | is.na(age)) ~ 
#>             0.0115105128) + case_when((job_skilled < 0.5 | is.na(job_skilled)) & 
#>     purpose_furniture.equipment >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00647381367, creditAmount >= 4864 & checkingStatus_X0..X.200 >= 
#>     0.5 & (age < 30.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.0068864068, (duration < 22.5 | 
#>     is.na(duration)) & purpose_business >= 0.5 & age >= 30.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00182265439, duration >= 22.5 & purpose_business >= 0.5 & 
#>     age >= 30.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00383772072, (creditAmount < 1381.5 | is.na(creditAmount)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00224427017, creditAmount >= 
#>     1381.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00599371409, (duration < 11.5 | 
#>     is.na(duration)) & savingsStatus_X.100 >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00350936246, (creditAmount < 2770 | is.na(creditAmount)) & 
#>     job_skilled >= 0.5 & purpose_furniture.equipment >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00383550278, creditAmount >= 
#>     2770 & job_skilled >= 0.5 & purpose_furniture.equipment >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00466457196, housing_own >= 
#>     0.5 & (age < 26.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (age < 30.5 | is.na(age)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0103208926, (creditAmount < 2646 | is.na(creditAmount)) & 
#>     age >= 26.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (age < 30.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00278928969, creditAmount >= 2646 & age >= 26.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (age < 30.5 | is.na(age)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00500475476, employment_X.1 >= 0.5 & (creditAmount < 4864 | 
#>     is.na(creditAmount)) & checkingStatus_X0..X.200 >= 0.5 & 
#>     (age < 30.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00631585997, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (purpose_business < 0.5 | is.na(purpose_business)) & age >= 
#>     30.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00125693425, (creditAmount < 1889.5 | is.na(creditAmount)) & 
#>     otherPaymentPlans_bank >= 0.5 & (purpose_business < 0.5 | 
#>     is.na(purpose_business)) & age >= 30.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00279773702, creditAmount >= 
#>     1889.5 & otherPaymentPlans_bank >= 0.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & age >= 30.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00597900152, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & duration >= 11.5 & savingsStatus_X.100 >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00431547593, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (age < 26.5 | 
#>     is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (age < 30.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.007318513, savingsStatus_X.100 >= 0.5 & (housing_own < 
#>     0.5 | is.na(housing_own)) & (age < 26.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (age < 30.5 | is.na(age)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00038709605, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditAmount < 
#>     4864 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (age < 30.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00987743028, housing_own >= 
#>     0.5 & installmentCommitment >= 1.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & age >= 30.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0125910351, (duration < 
#>     20.5 | is.na(duration)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>     11.5 & savingsStatus_X.100 >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0116010699, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     employment_X1..X.4 >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (creditAmount < 4864 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (age < 30.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000826116418, savingsStatus_X.100 >= 
#>     0.5 & employment_X1..X.4 >= 0.5 & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) & (creditAmount < 4864 | is.na(creditAmount)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (age < 30.5 | is.na(age)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00477667665, (duration < 21 | is.na(duration)) & (housing_own < 
#>     0.5 | is.na(housing_own)) & installmentCommitment >= 1.5 & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (purpose_business < 0.5 | is.na(purpose_business)) & age >= 
#>     30.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00355425943, duration >= 21 & (housing_own < 0.5 | is.na(housing_own)) & 
#>     installmentCommitment >= 1.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & age >= 30.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00888218917, (duration < 
#>     33 | is.na(duration)) & duration >= 20.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>     11.5 & savingsStatus_X.100 >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.000473813619, duration >= 33 & duration >= 20.5 & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     duration >= 11.5 & savingsStatus_X.100 >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00934448559) + case_when(creditAmount >= 4292 & (duration < 
#>     16.5 | is.na(duration)) ~ 0.00412753085, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & propertyMagnitude_life.insurance >= 
#>     0.5 & (creditAmount < 4292 | is.na(creditAmount)) & (duration < 
#>     16.5 | is.na(duration)) ~ -0.0100659998, creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & duration >= 16.5 ~ 
#>     -0.00510721747, (age < 34.5 | is.na(age)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>     0.5 & duration >= 16.5 ~ -0.00306198699, age >= 34.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>     0.5 & duration >= 16.5 ~ 0.00614638533, age >= 28.5 & otherPaymentPlans_none >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & duration >= 16.5 ~ 
#>     -0.0121116703, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (creditAmount < 4292 | is.na(creditAmount)) & (duration < 
#>     16.5 | is.na(duration)) ~ -0.00348771689, (creditAmount < 
#>     771 | is.na(creditAmount)) & installmentCommitment >= 3.5 & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (creditAmount < 4292 | is.na(creditAmount)) & (duration < 
#>     16.5 | is.na(duration)) ~ 0.00353367114, (creditAmount < 
#>     1125 | is.na(creditAmount)) & installmentCommitment >= 2.5 & 
#>     propertyMagnitude_life.insurance >= 0.5 & (creditAmount < 
#>     4292 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) ~ 
#>     0.0053134528, creditAmount >= 1125 & installmentCommitment >= 
#>     2.5 & propertyMagnitude_life.insurance >= 0.5 & (creditAmount < 
#>     4292 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) ~ 
#>     -0.00491678389, creditAmount >= 7687.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & duration >= 16.5 ~ 
#>     0.00332496106, (creditAmount < 2274 | is.na(creditAmount)) & 
#>     installmentCommitment >= 3.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & duration >= 16.5 ~ 
#>     0.0118951509, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & duration >= 16.5 ~ 
#>     -0.00503306603, (creditAmount < 3541.5 | is.na(creditAmount)) & 
#>     (age < 28.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 & duration >= 16.5 ~ -0.00733328797, 
#>     creditAmount >= 3541.5 & (age < 28.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & duration >= 
#>         16.5 ~ 0.00208311947, (creditAmount < 2725 | is.na(creditAmount)) & 
#>         residenceSince >= 1.5 & (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>         4292 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) ~ 
#>         -0.0128844744, creditAmount >= 2725 & residenceSince >= 
#>         1.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (creditAmount < 4292 | is.na(creditAmount)) & (duration < 
#>         16.5 | is.na(duration)) ~ -0.00453893933, (creditAmount < 
#>         1130.5 | is.na(creditAmount)) & creditAmount >= 771 & 
#>         installmentCommitment >= 3.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>         4292 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) ~ 
#>         -0.00355729274, creditAmount >= 1130.5 & creditAmount >= 
#>         771 & installmentCommitment >= 3.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>         4292 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) ~ 
#>         -0.0115518933, (creditAmount < 3476.5 | is.na(creditAmount)) & 
#>         (creditAmount < 7687.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ -0.00511270668, creditAmount >= 3476.5 & (creditAmount < 
#>         7687.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ -0.0117178727, (housing_own < 0.5 | is.na(housing_own)) & 
#>         creditAmount >= 2274 & installmentCommitment >= 3.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 16.5 ~ 0.00260425452, housing_own >= 0.5 & 
#>         creditAmount >= 2274 & installmentCommitment >= 3.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 16.5 ~ -0.00434963731, (creditAmount < 2603 | 
#>         is.na(creditAmount)) & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ 0.0130784698, duration >= 27.5 & creditAmount >= 
#>         2603 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ 0.0105826268, (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & (duration < 27.5 | 
#>         is.na(duration)) & creditAmount >= 2603 & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ -0.00703946641, purpose_furniture.equipment >= 
#>         0.5 & (duration < 27.5 | is.na(duration)) & creditAmount >= 
#>         2603 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         16.5 ~ 0.00128834671) + case_when((checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & duration >= 47.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00245547271, 
#>     checkingStatus_X.0 >= 0.5 & duration >= 47.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00928430632, 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0114686582, (age < 34.5 | is.na(age)) & creditAmount >= 
#>         6751.5 & checkingStatus_no.checking >= 0.5 ~ 0.00100843143, 
#>     age >= 34.5 & creditAmount >= 6751.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00238095783, propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 979.5 | is.na(creditAmount)) & 
#>         (duration < 47.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00274541671, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & otherPaymentPlans_bank >= 
#>         0.5 & (creditAmount < 6751.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00172983482, existingCredits >= 
#>         1.5 & otherPaymentPlans_bank >= 0.5 & (creditAmount < 
#>         6751.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00475233141, (age < 35 | is.na(age)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         979.5 | is.na(creditAmount)) & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0116993804, age >= 35 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         979.5 | is.na(creditAmount)) & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00245606783, (creditAmount < 2401.5 | is.na(creditAmount)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & creditAmount >= 
#>         979.5 & (duration < 47.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00968331657, 
#>     (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         (duration < 15.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditAmount >= 
#>         979.5 & (duration < 47.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00111827173, 
#>     installmentCommitment >= 1.5 & (duration < 15.5 | is.na(duration)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         creditAmount >= 979.5 & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0108521814, (creditAmount < 4832.5 | is.na(creditAmount)) & 
#>         creditAmount >= 2401.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & creditAmount >= 979.5 & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00762637658, creditAmount >= 4832.5 & creditAmount >= 
#>         2401.5 & propertyMagnitude_no.known.property >= 0.5 & 
#>         creditAmount >= 979.5 & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0032152452, creditAmount >= 5623.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         creditAmount >= 979.5 & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0103242416, age >= 29.5 & employment_X1..X.4 >= 0.5 & 
#>         duration >= 15.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditAmount >= 
#>         979.5 & (duration < 47.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00741058215, 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         5623.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         creditAmount >= 979.5 & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00586856483, purpose_new.car >= 0.5 & (creditAmount < 
#>         5623.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         creditAmount >= 979.5 & (duration < 47.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00402319198, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (age < 29.5 | is.na(age)) & employment_X1..X.4 >= 0.5 & 
#>         duration >= 15.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditAmount >= 
#>         979.5 & (duration < 47.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00310002221, 
#>     personalStatus_male.single >= 0.5 & (age < 29.5 | is.na(age)) & 
#>         employment_X1..X.4 >= 0.5 & duration >= 15.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditAmount >= 
#>         979.5 & (duration < 47.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00858094729) + 
#>     case_when((installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00275257067, installmentCommitment >= 3.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00106393092, (age < 25.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00317787332, age >= 25.5 & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0116972066, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00931052212, (age < 30.5 | is.na(age)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0058121453, (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         job_skilled >= 0.5 & checkingStatus_no.checking >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.011017778, purpose_business >= 0.5 & job_skilled >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000440034753, (duration < 10.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0055459612, (duration < 30 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00360370544, duration >= 30 & creditHistory_existing.paid >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00627861079, (duration < 16.5 | is.na(duration)) & 
#>         age >= 30.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00615541451, duration >= 16.5 & age >= 30.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000530537975, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         20.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0112237288, (creditAmount < 2742.5 | is.na(creditAmount)) & 
#>         duration >= 20.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0069621033, (creditAmount < 1036 | is.na(creditAmount)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>         20.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00213120086, creditAmount >= 1036 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 20.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00489800097, (creditAmount < 4215.5 | is.na(creditAmount)) & 
#>         creditAmount >= 2742.5 & duration >= 20.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00346539938, creditAmount >= 4215.5 & creditAmount >= 
#>         2742.5 & duration >= 20.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000372103794, purpose_radio.tv >= 0.5 & (creditAmount < 
#>         2478 | is.na(creditAmount)) & duration >= 10.5 & checkingStatus_X.0 >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00131432118, creditAmount >= 4802.5 & creditAmount >= 
#>         2478 & duration >= 10.5 & checkingStatus_X.0 >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00530211907, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 2478 | is.na(creditAmount)) & duration >= 
#>         10.5 & checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0116334986, purpose_furniture.equipment >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 2478 | 
#>         is.na(creditAmount)) & duration >= 10.5 & checkingStatus_X.0 >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00304293004, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditAmount < 4802.5 | is.na(creditAmount)) & creditAmount >= 
#>         2478 & duration >= 10.5 & checkingStatus_X.0 >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000565267925, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>         4802.5 | is.na(creditAmount)) & creditAmount >= 2478 & 
#>         duration >= 10.5 & checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00586943002) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.0077570891, creditAmount >= 7829 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>     0.5 ~ 0.000120959252, (age < 44.5 | is.na(age)) & otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00401393324, 
#>     age >= 44.5 & otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00774814468, propertyMagnitude_no.known.property >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00909183919, propertyMagnitude_no.known.property >= 
#>         0.5 & (creditAmount < 7829 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00358588924, (creditAmount < 3024 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         personalStatus_male.single >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.010797956, 
#>     savingsStatus_X100..X.500 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditAmount < 
#>         7829 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00375516969, (duration < 16.5 | is.na(duration)) & 
#>         employment_X..7 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00228866609, 
#>     duration >= 16.5 & employment_X..7 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0105611831, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         creditAmount >= 3024 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         personalStatus_male.single >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00693279365, 
#>     creditHistory_existing.paid >= 0.5 & creditAmount >= 3024 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         personalStatus_male.single >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00404723501, 
#>     (duration < 20.5 | is.na(duration)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & checkingStatus_X.0 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00900756195, 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         employment_X..7 >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>         personalStatus_male.single >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0108212447, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & employment_X..7 >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00185429596, (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditAmount < 
#>         7829 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0122070955, job_high.qualif.self.emp.mgmt >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditAmount < 7829 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00456209248, (age < 22.5 | is.na(age)) & (duration < 
#>         22.5 | is.na(duration)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00685999123, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 22.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0112512922, employment_X1..X.4 >= 0.5 & duration >= 
#>         22.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00346317282, (age < 28.5 | is.na(age)) & duration >= 
#>         20.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         checkingStatus_X.0 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00215185899, age >= 28.5 & duration >= 20.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & checkingStatus_X.0 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00304375705, 
#>     (creditAmount < 2185.5 | is.na(creditAmount)) & age >= 22.5 & 
#>         (duration < 22.5 | is.na(duration)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0027516121, 
#>     creditAmount >= 2185.5 & age >= 22.5 & (duration < 22.5 | 
#>         is.na(duration)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00704240147) + case_when((age < 22.5 | is.na(age)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3893.5 | is.na(creditAmount)) ~ 0.00770124886, 
#>     (age < 26.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3893.5 ~ 0.0104673086, (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & savingsStatus_no.known.savings >= 
#>         0.5 & creditAmount >= 3893.5 ~ -0.00902295671, propertyMagnitude_car >= 
#>         0.5 & savingsStatus_no.known.savings >= 0.5 & creditAmount >= 
#>         3893.5 ~ -0.00123565784, numDependents >= 1.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 3893.5 | is.na(creditAmount)) ~ 
#>         -0.0110071423, (age < 27.5 | is.na(age)) & employment_X.1 >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 3893.5 | 
#>         is.na(creditAmount)) ~ 0.00628234074, age >= 27.5 & employment_X.1 >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 3893.5 | 
#>         is.na(creditAmount)) ~ 0.00201183977, housing_rent >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & age >= 22.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ 0.0043612686, 
#>     propertyMagnitude_real.estate >= 0.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 3893.5 | 
#>         is.na(creditAmount)) ~ 0.00549118733, (duration < 33 | 
#>         is.na(duration)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         age >= 26.5 & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3893.5 ~ -7.9904079e-05, duration >= 33 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3893.5 ~ -0.00817909371, ownTelephone_yes >= 0.5 & job_skilled >= 
#>         0.5 & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3893.5 ~ 0.00969921984, (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & age >= 22.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.00301796896, 
#>     savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & age >= 22.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ 0.000843247632, 
#>     propertyMagnitude_no.known.property >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         age >= 22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.00502346922, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & checkingStatus_X0..X.200 >= 
#>         0.5 & age >= 22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ 0.000138925912, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & checkingStatus_X.0 >= 0.5 & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.0102663646, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         job_skilled >= 0.5 & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3893.5 ~ 0.00039188462, installmentCommitment >= 2.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         job_skilled >= 0.5 & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3893.5 ~ -0.00381218642, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & age >= 22.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.00461541116, 
#>     residenceSince >= 1.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         age >= 22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.0117625901, 
#>     (age < 27.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & checkingStatus_X0..X.200 >= 
#>         0.5 & age >= 22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.00896226708, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & checkingStatus_X.0 >= 0.5 & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.00310220988, 
#>     ownTelephone_none >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & checkingStatus_X.0 >= 0.5 & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ 0.00399656035, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & age >= 27.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & checkingStatus_X0..X.200 >= 
#>         0.5 & age >= 22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.00421263697, 
#>     residenceSince >= 2.5 & age >= 27.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & checkingStatus_X0..X.200 >= 
#>         0.5 & age >= 22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) ~ -0.000359938596) + 
#>     case_when(purpose_used.car >= 0.5 & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.0124616688, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditAmount >= 7493.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00634088879, propertyMagnitude_car >= 0.5 & creditAmount >= 
#>         7493.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00028250771, creditAmount >= 1689.5 & (duration < 22.5 | 
#>         is.na(duration)) & employment_X.1 >= 0.5 ~ -0.00680282991, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             duration >= 22.5 & employment_X.1 >= 0.5 ~ 0.00959490892, 
#>         personalStatus_male.single >= 0.5 & duration >= 22.5 & 
#>             employment_X.1 >= 0.5 ~ 0.000100267731, (creditAmount < 
#>             1135.5 | is.na(creditAmount)) & (creditAmount < 1689.5 | 
#>             is.na(creditAmount)) & (duration < 22.5 | is.na(duration)) & 
#>             employment_X.1 >= 0.5 ~ -0.00113682926, creditAmount >= 
#>             1135.5 & (creditAmount < 1689.5 | is.na(creditAmount)) & 
#>             (duration < 22.5 | is.na(duration)) & employment_X.1 >= 
#>             0.5 ~ 0.00824082829, (otherPaymentPlans_none < 0.5 | 
#>             is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.000682424579, (age < 
#>             27.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00269532343, age >= 
#>             27.5 & otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.012091524, (housing_rent < 
#>             0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (duration < 
#>             14 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.0110677034, housing_rent >= 
#>             0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (duration < 14 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00399807515, propertyMagnitude_real.estate >= 
#>             0.5 & installmentCommitment >= 3.5 & (duration < 
#>             14 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00878158212, (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & duration >= 14 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00346744386, (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & savingsStatus_X.100 >= 
#>             0.5 & duration >= 14 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00489291223, (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & installmentCommitment >= 
#>             3.5 & (duration < 14 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00212318823, employment_X1..X.4 >= 
#>             0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             installmentCommitment >= 3.5 & (duration < 14 | is.na(duration)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.0023239872, (creditAmount < 
#>             1411 | is.na(creditAmount)) & installmentCommitment >= 
#>             2.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             duration >= 14 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.000142456454, creditAmount >= 
#>             1411 & installmentCommitment >= 2.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & duration >= 14 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00860924367, (age < 
#>             33 | is.na(age)) & creditHistory_existing.paid >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & duration >= 14 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00474657072, age >= 
#>             33 & creditHistory_existing.paid >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & duration >= 14 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7493.5 | is.na(creditAmount)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00551862177) + case_when(creditAmount >= 
#>     4705.5 & (age < 25.5 | is.na(age)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00941453222, creditAmount >= 
#>     7882 & age >= 25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00298165367, (creditAmount < 1215 | is.na(creditAmount)) & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00180381851, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00576245226, 
#>     purpose_radio.tv >= 0.5 & (creditAmount < 4705.5 | is.na(creditAmount)) & 
#>         (age < 25.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.000214708256, (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & creditAmount >= 
#>         1215 & (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00854509883, job_high.qualif.self.emp.mgmt >= 
#>         0.5 & creditAmount >= 1215 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00344457501, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 4705.5 | 
#>         is.na(creditAmount)) & (age < 25.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00635634549, savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 4705.5 | is.na(creditAmount)) & (age < 
#>         25.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00126922957, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditAmount < 7882 | is.na(creditAmount)) & age >= 
#>         25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.011544276, housing_for.free >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditAmount < 7882 | 
#>         is.na(creditAmount)) & age >= 25.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00511547131, propertyMagnitude_real.estate >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         otherParties_none >= 0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.0023445501, (housing_own < 0.5 | is.na(housing_own)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & otherParties_none >= 
#>         0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00599419745, housing_own >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & otherParties_none >= 0.5 & job_skilled >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00132271729, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & ownTelephone_none >= 0.5 & 
#>         (creditAmount < 7882 | is.na(creditAmount)) & age >= 
#>         25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00396282319, installmentCommitment >= 3.5 & (housing_own < 
#>         0.5 | is.na(housing_own)) & ownTelephone_none >= 0.5 & 
#>         (creditAmount < 7882 | is.na(creditAmount)) & age >= 
#>         25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00701787556, (creditAmount < 3132.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         otherParties_none >= 0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00511356443, creditAmount >= 3132.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & otherParties_none >= 
#>         0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.0108550936, (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & housing_own >= 
#>         0.5 & ownTelephone_none >= 0.5 & (creditAmount < 7882 | 
#>         is.na(creditAmount)) & age >= 25.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00990525167, numDependents >= 
#>         1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         housing_own >= 0.5 & ownTelephone_none >= 0.5 & (creditAmount < 
#>         7882 | is.na(creditAmount)) & age >= 25.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00272046612, (duration < 
#>         15 | is.na(duration)) & purpose_new.car >= 0.5 & housing_own >= 
#>         0.5 & ownTelephone_none >= 0.5 & (creditAmount < 7882 | 
#>         is.na(creditAmount)) & age >= 25.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00736024417, duration >= 
#>         15 & purpose_new.car >= 0.5 & housing_own >= 0.5 & ownTelephone_none >= 
#>         0.5 & (creditAmount < 7882 | is.na(creditAmount)) & age >= 
#>         25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00231908285) + case_when(savingsStatus_no.known.savings >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00926997792, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (duration < 16.5 | 
#>     is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ -0.00969371293, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & duration >= 16.5 & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00713712303, (creditAmount < 
#>         2878.5 | is.na(creditAmount)) & creditHistory_delayed.previously >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.0027102842, creditAmount >= 2878.5 & creditHistory_delayed.previously >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00541955652, job_unskilled.resident >= 0.5 & installmentCommitment >= 
#>         2.5 & (duration < 16.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00546863675, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 16.5 & checkingStatus_X.0 >= 0.5 ~ -0.00128524867, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00434029661, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & purpose_new.car >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00888329931, personalStatus_male.single >= 0.5 & purpose_new.car >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.000977115124, age >= 35.5 & (duration < 20.5 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00362579338, (age < 
#>         35.5 | is.na(age)) & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & installmentCommitment >= 
#>         2.5 & (duration < 16.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.0062661604, age >= 35.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & installmentCommitment >= 
#>         2.5 & (duration < 16.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.000369337067, propertyMagnitude_life.insurance >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>         16.5 & checkingStatus_X.0 >= 0.5 ~ 0.00431276392, (creditAmount < 
#>         790 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00414045341, creditAmount >= 790 & otherPaymentPlans_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0122723645, (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (age < 35.5 | 
#>         is.na(age)) & (duration < 20.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0100511527, personalStatus_female.div.dep.mar >= 0.5 & 
#>         (age < 35.5 | is.na(age)) & (duration < 20.5 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.000868737698, (creditAmount < 
#>         2929.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & duration >= 
#>         20.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00486114388, creditAmount >= 
#>         2929.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         duration >= 20.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.0129686706, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         personalStatus_male.single >= 0.5 & duration >= 20.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00670693908, installmentCommitment >= 
#>         3.5 & personalStatus_male.single >= 0.5 & duration >= 
#>         20.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00733690476, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_X.100 >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 16.5 & checkingStatus_X.0 >= 0.5 ~ 0.00534421531, 
#>     installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_X.100 >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 16.5 & checkingStatus_X.0 >= 0.5 ~ 0.0129380533) + 
#>     case_when((creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         creditAmount >= 6193 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0016503121, 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0110162813, (creditAmount < 2761.5 | is.na(creditAmount)) & 
#>             otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00233986811, creditAmount >= 2761.5 & otherPaymentPlans_bank >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00610526511, 
#>         (duration < 8.5 | is.na(duration)) & (creditAmount < 
#>             2312.5 | is.na(creditAmount)) & (creditAmount < 6193 | 
#>             is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00811931398, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             6193 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00436134264, personalStatus_male.single >= 0.5 & 
#>             creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             6193 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.013536565, (age < 29.5 | is.na(age)) & employment_X.1 >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             checkingStatus_no.checking >= 0.5 ~ 0.00219677738, 
#>         age >= 29.5 & employment_X.1 >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00324266125, propertyMagnitude_no.known.property >= 
#>             0.5 & duration >= 8.5 & (creditAmount < 2312.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6193 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0141261099, purpose_business >= 0.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>             2312.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000990657019, (creditAmount < 3471 | is.na(creditAmount)) & 
#>             purpose_furniture.equipment >= 0.5 & creditAmount >= 
#>             2312.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00737135671, creditAmount >= 3471 & purpose_furniture.equipment >= 
#>             0.5 & creditAmount >= 2312.5 & (creditAmount < 6193 | 
#>             is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00564508187, 
#>         (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             duration >= 8.5 & (creditAmount < 2312.5 | is.na(creditAmount)) & 
#>             (creditAmount < 6193 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.007792057, 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             creditAmount >= 2312.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0121936398, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & installmentCommitment >= 
#>             2.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             creditAmount >= 2312.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00179292809, (creditAmount < 725 | is.na(creditAmount)) & 
#>             (creditAmount < 1084 | is.na(creditAmount)) & otherParties_none >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & duration >= 
#>             8.5 & (creditAmount < 2312.5 | is.na(creditAmount)) & 
#>             (creditAmount < 6193 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00218990538, 
#>         creditAmount >= 725 & (creditAmount < 1084 | is.na(creditAmount)) & 
#>             otherParties_none >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             duration >= 8.5 & (creditAmount < 2312.5 | is.na(creditAmount)) & 
#>             (creditAmount < 6193 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0125593692, 
#>         (creditAmount < 1314 | is.na(creditAmount)) & creditAmount >= 
#>             1084 & otherParties_none >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             duration >= 8.5 & (creditAmount < 2312.5 | is.na(creditAmount)) & 
#>             (creditAmount < 6193 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00680880481, 
#>         creditAmount >= 1314 & creditAmount >= 1084 & otherParties_none >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & duration >= 
#>             8.5 & (creditAmount < 2312.5 | is.na(creditAmount)) & 
#>             (creditAmount < 6193 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00324766012, 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             personalStatus_male.single >= 0.5 & installmentCommitment >= 
#>             2.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             creditAmount >= 2312.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0120745348, checkingStatus_X.0 >= 0.5 & personalStatus_male.single >= 
#>             0.5 & installmentCommitment >= 2.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>             2312.5 & (creditAmount < 6193 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0017336437) + case_when(creditAmount >= 10918 & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.00852282345, (duration < 37.5 | is.na(duration)) & creditAmount >= 
#>     5995.5 & installmentCommitment >= 3.5 ~ 0.0102704801, duration >= 
#>     37.5 & creditAmount >= 5995.5 & installmentCommitment >= 
#>     3.5 ~ 7.57305752e-05, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.0027464421, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (creditAmount < 1286 | 
#>     is.na(creditAmount)) & (creditAmount < 5995.5 | is.na(creditAmount)) & 
#>     installmentCommitment >= 3.5 ~ -0.00577695109, creditHistory_delayed.previously >= 
#>     0.5 & creditAmount >= 1286 & (creditAmount < 5995.5 | is.na(creditAmount)) & 
#>     installmentCommitment >= 3.5 ~ 0.00429181289, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.0125208851, employment_X1..X.4 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -0.00615107222, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>     0.5 & (creditAmount < 10918 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00976018794, (creditAmount < 
#>     2949.5 | is.na(creditAmount)) & purpose_new.car >= 0.5 & 
#>     savingsStatus_X.100 >= 0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.0088618407, creditAmount >= 2949.5 & purpose_new.car >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -0.00555129768, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     ownTelephone_none >= 0.5 & (creditAmount < 1286 | is.na(creditAmount)) & 
#>     (creditAmount < 5995.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 ~ 0.0093925111, purpose_radio.tv >= 0.5 & ownTelephone_none >= 
#>     0.5 & (creditAmount < 1286 | is.na(creditAmount)) & (creditAmount < 
#>     5995.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 ~ -0.00255834567, housing_rent >= 0.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     1286 & (creditAmount < 5995.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 ~ 0.000359726575, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     checkingStatus_X.0 >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     savingsStatus_X.100 >= 0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -0.00439752406, ownTelephone_yes >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     savingsStatus_X.100 >= 0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.0102564031, (age < 33 | is.na(age)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     creditAmount >= 1286 & (creditAmount < 5995.5 | is.na(creditAmount)) & 
#>     installmentCommitment >= 3.5 ~ -0.00634815451, age >= 33 & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     1286 & (creditAmount < 5995.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 ~ 0.00295499829, creditAmount >= 1952.5 & residenceSince >= 
#>     2.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     1286 & (creditAmount < 5995.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 ~ -0.0120091802, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (creditAmount < 1952.5 | is.na(creditAmount)) & residenceSince >= 
#>     2.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     1286 & (creditAmount < 5995.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 ~ -0.00213459507, employment_X..7 >= 0.5 & (creditAmount < 
#>     1952.5 | is.na(creditAmount)) & residenceSince >= 2.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     1286 & (creditAmount < 5995.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 ~ -0.0075293784) + case_when(savingsStatus_no.known.savings >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00639301166, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00330198766, (duration < 10.5 | is.na(duration)) & 
#>     installmentCommitment >= 2.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00539264735, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0127542652, purpose_furniture.equipment >= 
#>     0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00361522613, savingsStatus_no.known.savings >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.013130784, ownTelephone_none >= 0.5 & purpose_new.car >= 
#>     0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00758295832, (creditAmount < 3367 | is.na(creditAmount)) & 
#>     ownTelephone_none >= 0.5 & (installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00143686787, creditAmount >= 3367 & ownTelephone_none >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.0107753845, (age < 36.5 | 
#>     is.na(age)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     purpose_new.car >= 0.5 & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00435195444, age >= 
#>     36.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     purpose_new.car >= 0.5 & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00496077957, (age < 
#>     29 | is.na(age)) & purpose_furniture.equipment >= 0.5 & duration >= 
#>     10.5 & installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00476328516, age >= 29 & purpose_furniture.equipment >= 
#>     0.5 & duration >= 10.5 & installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00418031355, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.0105519863, ownTelephone_yes >= 
#>     0.5 & (housing_own < 0.5 | is.na(housing_own)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00223116926, (creditAmount < 
#>     2095.5 | is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     duration >= 10.5 & installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00538202096, creditAmount >= 2095.5 & (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & duration >= 10.5 & 
#>     installmentCommitment >= 2.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00488819368, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     job_skilled >= 0.5 & (purpose_furniture.equipment < 0.5 | 
#>     is.na(purpose_furniture.equipment)) & duration >= 10.5 & 
#>     installmentCommitment >= 2.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.0113356067, otherPaymentPlans_bank >= 0.5 & job_skilled >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     duration >= 10.5 & installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00379422377, purpose_furniture.equipment >= 0.5 & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     housing_own >= 0.5 & (savingsStatus_no.known.savings < 0.5 | 
#>     is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00170478097, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & employment_X1..X.4 >= 
#>     0.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00843853131, checkingStatus_no.checking >= 
#>     0.5 & employment_X1..X.4 >= 0.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00577808311, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00518479804, propertyMagnitude_car >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     housing_own >= 0.5 & (savingsStatus_no.known.savings < 0.5 | 
#>     is.na(savingsStatus_no.known.savings)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.011325133) + case_when(checkingStatus_no.checking >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.012707537, creditAmount >= 3935.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ 0.00138191576, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0109801805, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     creditAmount >= 3754 & checkingStatus_no.checking >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00285936566, residenceSince >= 2.5 & creditAmount >= 3754 & 
#>     checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00328721455, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditAmount < 3935.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00374247832, housing_rent >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & duration >= 22.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00721817371, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     checkingStatus_X.0 >= 0.5 & duration >= 22.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.0015144333, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (creditAmount < 
#>     3754 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00654317439, 
#>     ownTelephone_none >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (creditAmount < 3754 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000553845777, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         housing_own >= 0.5 & (creditAmount < 3754 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0121250618, propertyMagnitude_car >= 0.5 & housing_own >= 
#>         0.5 & (creditAmount < 3754 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00474800356, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 3935.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.012195711, employment_X..7 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 3935.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00500538712, creditAmount >= 1932.5 & installmentCommitment >= 
#>         3.5 & otherParties_none >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00655229064, (creditAmount < 3796.5 | is.na(creditAmount)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 22.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00829162728, (creditAmount < 3380.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>         0.5 & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0114224171, creditAmount >= 3380.5 & installmentCommitment >= 
#>         2.5 & checkingStatus_X.0 >= 0.5 & duration >= 22.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0045729815, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditAmount < 1885.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & otherParties_none >= 
#>         0.5 & (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00484837685, savingsStatus_X.100 >= 0.5 & (creditAmount < 
#>         1885.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & otherParties_none >= 
#>         0.5 & (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00649841316, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditAmount >= 1885.5 & (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & otherParties_none >= 
#>         0.5 & (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00335332961, propertyMagnitude_car >= 0.5 & creditAmount >= 
#>         1885.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         otherParties_none >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.011791829, propertyMagnitude_car >= 0.5 & (creditAmount < 
#>         1932.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & otherParties_none >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00908758398, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 3796.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00192995591, savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>         3796.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00836826582, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (creditAmount < 1932.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & otherParties_none >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00398044242, employment_X1..X.4 >= 0.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (creditAmount < 
#>         1932.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & otherParties_none >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000504141033) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 ~ 0.00954490807, employment_X4..X.7 >= 0.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0109905573, 
#>     creditAmount >= 4802.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00981921051, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         employment_X1..X.4 >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00228286535, personalStatus_male.single >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00725026336, 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2115 | is.na(creditAmount)) & purpose_new.car >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.000442381133, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 2115 | is.na(creditAmount)) & purpose_new.car >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00783808157, (duration < 16.5 | is.na(duration)) & 
#>         creditAmount >= 2115 & purpose_new.car >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00577798765, 
#>     duration >= 16.5 & creditAmount >= 2115 & purpose_new.car >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00824550539, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 4802.5 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00675538927, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0126351006, 
#>     propertyMagnitude_life.insurance >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00484204339, 
#>     age >= 38 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 4802.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00292048533, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         duration >= 29 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.000637290301, 
#>     installmentCommitment >= 3.5 & duration >= 29 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.0080504911, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (age < 38 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 4802.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.000228451114, (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (duration < 29 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0093173394, 
#>     numDependents >= 1.5 & (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & (duration < 29 | 
#>         is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.000583155721, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         purpose_furniture.equipment >= 0.5 & (duration < 29 | 
#>         is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00340117794, 
#>     personalStatus_female.div.dep.mar >= 0.5 & purpose_furniture.equipment >= 
#>         0.5 & (duration < 29 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00490157632, 
#>     (duration < 19.5 | is.na(duration)) & installmentCommitment >= 
#>         2.5 & (age < 38 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 4802.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.0112193245, duration >= 19.5 & installmentCommitment >= 
#>         2.5 & (age < 38 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 4802.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00383610069) + case_when((duration < 11.5 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00658338238, savingsStatus_no.known.savings >= 
#>     0.5 & creditAmount >= 7902 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00548380287, purpose_new.car >= 
#>     0.5 & duration >= 11.5 & checkingStatus_X.0 >= 0.5 ~ 0.011353123, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         age >= 31.5 & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.011692239, (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         7902 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00197477266, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 7902 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00996982306, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         11.5 & checkingStatus_X.0 >= 0.5 ~ -0.010286835, (duration < 
#>         15.5 | is.na(duration)) & propertyMagnitude_real.estate >= 
#>         0.5 & (age < 31.5 | is.na(age)) & (creditAmount < 7902 | 
#>         is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00616129488, duration >= 15.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (age < 31.5 | is.na(age)) & (creditAmount < 7902 | 
#>         is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.0102893366, otherPaymentPlans_bank >= 0.5 & installmentCommitment >= 
#>         3.5 & age >= 31.5 & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         3.36502526e-05, creditAmount >= 3534 & otherParties_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 11.5 & checkingStatus_X.0 >= 0.5 ~ -0.00357692223, 
#>     checkingStatus_X0..X.200 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (age < 
#>         31.5 | is.na(age)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00610141968, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         personalStatus_male.single >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (age < 
#>         31.5 | is.na(age)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0045234547, propertyMagnitude_car >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (age < 31.5 | is.na(age)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0108259553, residenceSince >= 3.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & installmentCommitment >= 
#>         3.5 & age >= 31.5 & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.010786931, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 3534 | is.na(creditAmount)) & otherParties_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 11.5 & checkingStatus_X.0 >= 0.5 ~ -0.00248415419, 
#>     (duration < 16.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (age < 
#>         31.5 | is.na(age)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0109243188, duration >= 16.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (age < 
#>         31.5 | is.na(age)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00172063464, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & installmentCommitment >= 
#>         3.5 & age >= 31.5 & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00232549105, checkingStatus_no.checking >= 0.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & installmentCommitment >= 
#>         3.5 & age >= 31.5 & (creditAmount < 7902 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00854025688, (duration < 16.5 | is.na(duration)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 3534 | 
#>         is.na(creditAmount)) & otherParties_none >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00212979456, duration >= 16.5 & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 3534 | is.na(creditAmount)) & otherParties_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 11.5 & checkingStatus_X.0 >= 0.5 ~ 0.0114359325) + 
#>     case_when((ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.000944026629, propertyMagnitude_car >= 0.5 & 
#>         (age < 29.5 | is.na(age)) & (duration < 16.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00238964381, (creditAmount < 3044 | is.na(creditAmount)) & 
#>         age >= 29.5 & (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0116485758, creditAmount >= 
#>         3044 & age >= 29.5 & (duration < 16.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00360327261, (creditAmount < 1807 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00880538113, duration >= 33 & savingsStatus_no.known.savings >= 
#>         0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.0126393139, (creditAmount < 
#>         1387.5 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.000604568864, creditAmount >= 1387.5 & ownTelephone_none >= 
#>         0.5 & (duration < 15.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00991454907, (creditAmount < 2539.5 | is.na(creditAmount)) & 
#>         (age < 28.5 | is.na(age)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00488512451, creditAmount >= 2539.5 & (age < 
#>         28.5 | is.na(age)) & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00784587581, age >= 47.5 & age >= 28.5 & duration >= 
#>         15.5 & checkingStatus_X.0 >= 0.5 ~ -0.00137408287, (age < 
#>         24.5 | is.na(age)) & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (age < 29.5 | is.na(age)) & (duration < 16.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0105590438, age >= 24.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (age < 29.5 | is.na(age)) & 
#>         (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00439450517, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (duration < 
#>         33 | is.na(duration)) & savingsStatus_no.known.savings >= 
#>         0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ 0.00190582022, personalStatus_male.single >= 
#>         0.5 & (duration < 33 | is.na(duration)) & savingsStatus_no.known.savings >= 
#>         0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.0111142034, (duration < 
#>         33 | is.na(duration)) & (age < 47.5 | is.na(age)) & age >= 
#>         28.5 & duration >= 15.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.0112858601, duration >= 33 & (age < 47.5 | is.na(age)) & 
#>         age >= 28.5 & duration >= 15.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00311113801, employment_X1..X.4 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>         1807 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00361722661, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & creditAmount >= 1807 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00926186424, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         creditAmount >= 1807 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00859551318, ownTelephone_none >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>         1807 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00162859692, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         job_skilled >= 0.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>         creditAmount >= 1807 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00728087779, existingCredits >= 1.5 & job_skilled >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & creditAmount >= 
#>         1807 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0054602325) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.00889636297, employment_X.1 >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 ~ -0.00185480679, duration >= 8.5 & (duration < 11.5 | 
#>     is.na(duration)) & (creditHistory_no.credits.all.paid < 0.5 | 
#>     is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.00340816821, 
#>     age >= 28.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0113059198, (age < 35.5 | is.na(age)) & otherPaymentPlans_bank >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.0054633664, age >= 
#>         35.5 & otherPaymentPlans_bank >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00744880363, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 8.5 | is.na(duration)) & (duration < 11.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0117848478, 
#>     ownTelephone_yes >= 0.5 & (duration < 8.5 | is.na(duration)) & 
#>         (duration < 11.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00427815458, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (age < 28.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0100723673, installmentCommitment >= 2.5 & (age < 
#>         28.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.000183372555, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1392 | is.na(creditAmount)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0122522963, 
#>     propertyMagnitude_life.insurance >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1392 | is.na(creditAmount)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00385842053, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1392 | is.na(creditAmount)) & duration >= 
#>         11.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00309778657, residenceSince >= 3.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1392 | is.na(creditAmount)) & duration >= 
#>         11.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00315014157, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00852510799, 
#>     employment_X1..X.4 >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & creditAmount >= 1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00184426969, 
#>     (creditAmount < 3919 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & creditAmount >= 1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0130148921, 
#>     creditAmount >= 3919 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & creditAmount >= 
#>         1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00122611108, 
#>     (housing_for.free < 0.5 | is.na(housing_for.free)) & (duration < 
#>         25.5 | is.na(duration)) & personalStatus_male.single >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00631517265, 
#>     housing_for.free >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>         personalStatus_male.single >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000607124763, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & duration >= 
#>         25.5 & personalStatus_male.single >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00787130743, 
#>     residenceSince >= 2.5 & duration >= 25.5 & personalStatus_male.single >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 1392 & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0013011503) + 
#>     case_when((creditAmount < 3888.5 | is.na(creditAmount)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00994008221, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & job_unskilled.resident >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00706503261, 
#>         existingCredits >= 1.5 & job_unskilled.resident >= 0.5 & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00364638004, 
#>         purpose_radio.tv >= 0.5 & (creditAmount < 1281.5 | is.na(creditAmount)) & 
#>             (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00659783185, 
#>         job_unskilled.resident >= 0.5 & creditAmount >= 1281.5 & 
#>             (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00867017359, 
#>         purpose_radio.tv >= 0.5 & (creditAmount < 2313 | is.na(creditAmount)) & 
#>             duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00107456581, 
#>         purpose_used.car >= 0.5 & creditAmount >= 2313 & duration >= 
#>             20.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00596808223, residenceSince >= 2.5 & creditAmount >= 
#>             3888.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00635511102, 
#>         age >= 36 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditAmount < 1281.5 | is.na(creditAmount)) & (duration < 
#>             20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.000639401725, 
#>         propertyMagnitude_car >= 0.5 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & creditAmount >= 
#>             1281.5 & (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00862695277, 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditAmount < 
#>             2313 | is.na(creditAmount)) & duration >= 20.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00570323039, employment_X..7 >= 0.5 & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditAmount < 
#>             2313 | is.na(creditAmount)) & duration >= 20.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0132383276, (age < 35.5 | is.na(age)) & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & creditAmount >= 3888.5 & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00137927593, 
#>         age >= 35.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             creditAmount >= 3888.5 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00246613403, (age < 26.5 | is.na(age)) & 
#>             (age < 36 | is.na(age)) & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) & (creditAmount < 1281.5 | 
#>             is.na(creditAmount)) & (duration < 20.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00533012021, age >= 26.5 & (age < 36 | is.na(age)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditAmount < 1281.5 | is.na(creditAmount)) & (duration < 
#>             20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0141506391, 
#>         (duration < 11.5 | is.na(duration)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & creditAmount >= 
#>             1281.5 & (duration < 20.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00699422834, 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             age >= 41.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 2313 & duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00267159124, 
#>         checkingStatus_X0..X.200 >= 0.5 & age >= 41.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>             2313 & duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00882963091, 
#>         (creditAmount < 2020.5 | is.na(creditAmount)) & duration >= 
#>             11.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             creditAmount >= 1281.5 & (duration < 20.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00717724208, creditAmount >= 2020.5 & duration >= 
#>             11.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             creditAmount >= 1281.5 & (duration < 20.5 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00749874162, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (duration < 37.5 | is.na(duration)) & (age < 41.5 | 
#>             is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 2313 & duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00820566341, 
#>         checkingStatus_X.0 >= 0.5 & (duration < 37.5 | is.na(duration)) & 
#>             (age < 41.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & creditAmount >= 2313 & 
#>             duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00507966429, 
#>         (creditAmount < 6620.5 | is.na(creditAmount)) & duration >= 
#>             37.5 & (age < 41.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>             2313 & duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00857367832, 
#>         creditAmount >= 6620.5 & duration >= 37.5 & (age < 41.5 | 
#>             is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 2313 & duration >= 20.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.000489320606) + 
#>     case_when((job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 & creditAmount >= 3893 ~ 0.00215323316, purpose_new.car >= 
#>         0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893 | is.na(creditAmount)) ~ 0.00517879473, 
#>         purpose_furniture.equipment >= 0.5 & (age < 35.5 | is.na(age)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditAmount < 3893 | 
#>             is.na(creditAmount)) ~ -0.0015165963, creditHistory_critical.other.existing.credit >= 
#>             0.5 & age >= 35.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.0116131324, (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 
#>             3893 ~ -0.00202425779, residenceSince >= 2.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 
#>             3893 ~ -0.00867784396, (housing_own < 0.5 | is.na(housing_own)) & 
#>             otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 
#>             3893 ~ 0.0097838724, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>             creditAmount >= 3893 ~ 0.00403076084, ownTelephone_yes >= 
#>             0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>             0.5 & creditAmount >= 3893 ~ 0.0132811684, (creditAmount < 
#>             2042 | is.na(creditAmount)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.0076490459, creditAmount >= 
#>             2042 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ -6.83667804e-06, 
#>         (age < 22.5 | is.na(age)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ -0.00155025534, 
#>         (duration < 16.5 | is.na(duration)) & purpose_furniture.equipment >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.00732251769, duration >= 
#>             16.5 & purpose_furniture.equipment >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ 0.000831565761, 
#>         (creditAmount < 1392 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (age < 
#>             35.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ 0.0107510891, 
#>         creditAmount >= 1392 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (age < 
#>             35.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ 0.00337839476, 
#>         (age < 41.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             age >= 35.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ 0.000848006457, age >= 
#>             41.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             age >= 35.5 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.00422665011, (creditAmount < 
#>             4709 | is.na(creditAmount)) & housing_own >= 0.5 & 
#>             otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 
#>             3893 ~ 0.00504766405, (creditAmount < 6514 | is.na(creditAmount)) & 
#>             creditAmount >= 4709 & housing_own >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             creditAmount >= 3893 ~ -0.0114616649, creditAmount >= 
#>             6514 & creditAmount >= 4709 & housing_own >= 0.5 & 
#>             otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 
#>             3893 ~ 0.000419311807, (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & age >= 22.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ 0.000937819248, 
#>         checkingStatus_no.checking >= 0.5 & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & age >= 22.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ -0.00963261537, 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             residenceSince >= 1.5 & age >= 22.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ -0.0119596655, 
#>         purpose_business >= 0.5 & residenceSince >= 1.5 & age >= 
#>             22.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.00391412992) + case_when((age < 
#>     25.5 | is.na(age)) & employment_X1..X.4 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.00138898473, duration >= 
#>     45 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.0122919977, (age < 28.5 | 
#>     is.na(age)) & checkingStatus_no.checking >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 ~ -0.000218852714, age >= 28.5 & checkingStatus_no.checking >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ -0.00986823719, (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.00203431351, residenceSince >= 
#>     3.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00856747571, (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.0124250222, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00601000013, age >= 
#>     38 & age >= 25.5 & employment_X1..X.4 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.000486301054, otherParties_guarantor >= 
#>     0.5 & (duration < 45 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.01263313, (creditAmount < 2048.5 | is.na(creditAmount)) & 
#>     (age < 38 | is.na(age)) & age >= 25.5 & employment_X1..X.4 >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00128261768, creditAmount >= 2048.5 & (age < 38 | is.na(age)) & 
#>     age >= 25.5 & employment_X1..X.4 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.0123024834, creditAmount >= 
#>     7506.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (duration < 45 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & savingsStatus_X.100 >= 
#>     0.5 ~ 0.0101647181, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditAmount < 7506.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (duration < 45 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00168460782, job_skilled >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditAmount < 7506.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (duration < 45 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.0120072402, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (age < 29.5 | is.na(age)) & 
#>     otherPaymentPlans_none >= 0.5 & (creditAmount < 7506.5 | 
#>     is.na(creditAmount)) & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (duration < 45 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.0018056141, existingCredits >= 1.5 & (age < 29.5 | 
#>     is.na(age)) & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>     7506.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (duration < 45 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00824747514, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 29.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>     7506.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (duration < 45 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00148804963, creditHistory_critical.other.existing.credit >= 
#>     0.5 & age >= 29.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>     7506.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (duration < 45 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.010679109) + case_when(creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.0103929788, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0102573596, (age < 30.5 | is.na(age)) & duration >= 22.5 & 
#>     checkingStatus_X.0 >= 0.5 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00522200996, age >= 30.5 & duration >= 22.5 & checkingStatus_X.0 >= 
#>     0.5 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.0111412108, (age < 33.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & otherParties_none >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00831843447, age >= 33.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & otherParties_none >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00163616007, purpose_furniture.equipment >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00819704868, age >= 27.5 & (age < 29.5 | is.na(age)) & 
#>     checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & otherParties_none >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00562804379, (age < 40.5 | is.na(age)) & age >= 29.5 & 
#>     checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & otherParties_none >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0120953713, (age < 26.5 | is.na(age)) & (age < 33 | is.na(age)) & 
#>     (duration < 22.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0022171624, age >= 26.5 & (age < 33 | is.na(age)) & (duration < 
#>     22.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 & otherParties_none >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00812241342, 
#>     (age < 44 | is.na(age)) & age >= 33 & (duration < 22.5 | 
#>         is.na(duration)) & checkingStatus_X.0 >= 0.5 & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000170049389, age >= 44 & age >= 33 & (duration < 
#>         22.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00461948523, (duration < 16.5 | is.na(duration)) & 
#>         (age < 27.5 | is.na(age)) & (age < 29.5 | is.na(age)) & 
#>         checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00667494023, duration >= 16.5 & (age < 27.5 | is.na(age)) & 
#>         (age < 29.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         3.06320944e-05, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         age >= 40.5 & age >= 29.5 & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00704201218, existingCredits >= 1.5 & age >= 40.5 & 
#>         age >= 29.5 & checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -9.34114287e-05, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00630373508, purpose_radio.tv >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000939611346, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         purpose_new.car >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00867559388, residenceSince >= 2.5 & purpose_new.car >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00129527284) + case_when((age < 54.5 | is.na(age)) & 
#>     age >= 40.5 & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>     -0.0120691555, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     (creditAmount < 4494.5 | is.na(creditAmount)) & creditAmount >= 
#>     3913.5 ~ 0.0116607146, existingCredits >= 1.5 & (creditAmount < 
#>     4494.5 | is.na(creditAmount)) & creditAmount >= 3913.5 ~ 
#>     0.00441333279, purpose_radio.tv >= 0.5 & creditAmount >= 
#>     4494.5 & creditAmount >= 3913.5 ~ -0.00855434313, (creditAmount < 
#>     2063 | is.na(creditAmount)) & propertyMagnitude_no.known.property >= 
#>     0.5 & (age < 40.5 | is.na(age)) & (creditAmount < 3913.5 | 
#>     is.na(creditAmount)) ~ 0.00985486712, creditAmount >= 2063 & 
#>     propertyMagnitude_no.known.property >= 0.5 & (age < 40.5 | 
#>     is.na(age)) & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>     0.00239891815, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     age >= 54.5 & age >= 40.5 & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>     -0.0108209867, ownTelephone_none >= 0.5 & age >= 54.5 & age >= 
#>     40.5 & (creditAmount < 3913.5 | is.na(creditAmount)) ~ -7.38515955e-05, 
#>     creditAmount >= 3363.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 40.5 | is.na(age)) & (creditAmount < 3913.5 | 
#>         is.na(creditAmount)) ~ -0.0125181032, age >= 34.5 & purpose_new.car >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 40.5 | is.na(age)) & (creditAmount < 3913.5 | 
#>         is.na(creditAmount)) ~ -0.00692437589, age >= 51.5 & 
#>         (creditAmount < 7834.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditAmount >= 4494.5 & 
#>         creditAmount >= 3913.5 ~ 0.00296928408, (age < 30 | is.na(age)) & 
#>         creditAmount >= 7834.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 4494.5 & creditAmount >= 3913.5 ~ 0.0129217776, 
#>     age >= 30 & creditAmount >= 7834.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditAmount >= 4494.5 & 
#>         creditAmount >= 3913.5 ~ 0.00276945275, creditAmount >= 
#>         3024 & (creditAmount < 3363.5 | is.na(creditAmount)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         40.5 | is.na(age)) & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>         0.00631732307, (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (age < 34.5 | 
#>         is.na(age)) & purpose_new.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         40.5 | is.na(age)) & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>         -0.00113473088, personalStatus_female.div.dep.mar >= 
#>         0.5 & (age < 34.5 | is.na(age)) & purpose_new.car >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 40.5 | is.na(age)) & (creditAmount < 3913.5 | 
#>         is.na(creditAmount)) ~ 0.0106256017, (creditAmount < 
#>         5096.5 | is.na(creditAmount)) & (age < 51.5 | is.na(age)) & 
#>         (creditAmount < 7834.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditAmount >= 4494.5 & 
#>         creditAmount >= 3913.5 ~ 0.0016654029, (duration < 28.5 | 
#>         is.na(duration)) & creditAmount >= 5096.5 & (age < 51.5 | 
#>         is.na(age)) & (creditAmount < 7834.5 | is.na(creditAmount)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 4494.5 & creditAmount >= 3913.5 ~ -0.00994852185, 
#>     duration >= 28.5 & creditAmount >= 5096.5 & (age < 51.5 | 
#>         is.na(age)) & (creditAmount < 7834.5 | is.na(creditAmount)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 4494.5 & creditAmount >= 3913.5 ~ -0.0031809737, 
#>     (age < 22.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3024 | is.na(creditAmount)) & (creditAmount < 
#>         3363.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         40.5 | is.na(age)) & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>         -0.00225949427, age >= 22.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditAmount < 3024 | is.na(creditAmount)) & 
#>         (creditAmount < 3363.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         40.5 | is.na(age)) & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>         -0.00929022953, (duration < 16.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 3024 | is.na(creditAmount)) & 
#>         (creditAmount < 3363.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         40.5 | is.na(age)) & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>         -0.00533380965, duration >= 16.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 3024 | is.na(creditAmount)) & (creditAmount < 
#>         3363.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         40.5 | is.na(age)) & (creditAmount < 3913.5 | is.na(creditAmount)) ~ 
#>         0.00201079249) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (duration < 34.5 | is.na(duration)) ~ 0.0057586031, 
#>     savingsStatus_no.known.savings >= 0.5 & duration >= 34.5 ~ 
#>         -0.0083733853, (creditAmount < 4412 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 34.5 ~ 0.0109308623, (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.00172248564, 
#>     propertyMagnitude_no.known.property >= 0.5 & creditAmount >= 
#>         4412 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 34.5 ~ 0.00718349731, housing_for.free >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ 0.00874593016, 
#>     otherPaymentPlans_bank >= 0.5 & otherParties_none >= 0.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.00220034784, 
#>     (age < 29.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditAmount >= 
#>         4412 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 34.5 ~ 0.0103178928, age >= 29.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditAmount >= 
#>         4412 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 34.5 ~ -0.00730744703, (housing_own < 0.5 | 
#>         is.na(housing_own)) & checkingStatus_no.checking >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.00495118322, 
#>     housing_own >= 0.5 & checkingStatus_no.checking >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.0106341746, 
#>     (creditAmount < 1285.5 | is.na(creditAmount)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ 0.00637317682, 
#>     (housing_own < 0.5 | is.na(housing_own)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & otherParties_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.00547308568, 
#>     housing_own >= 0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         otherParties_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.0120081911, 
#>     employment_X1..X.4 >= 0.5 & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ 0.000991280656, 
#>     (housing_own < 0.5 | is.na(housing_own)) & propertyMagnitude_car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ 0.00599096203, 
#>     housing_own >= 0.5 & propertyMagnitude_car >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.00405088207, 
#>     purpose_new.car >= 0.5 & creditAmount >= 1285.5 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ 0.000777761976, 
#>     (duration < 16.5 | is.na(duration)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.0113605727, 
#>     duration >= 16.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -3.77942415e-05, 
#>     (duration < 20.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & creditAmount >= 1285.5 & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.0115099913, 
#>     duration >= 20.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditAmount >= 1285.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (duration < 34.5 | is.na(duration)) ~ -0.00214853766) + 
#>     case_when((age < 23.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00333568454, creditHistory_no.credits.all.paid >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00757249398, propertyMagnitude_life.insurance >= 0.5 & 
#>         purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00943730958, 
#>         purpose_business >= 0.5 & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00292608677, otherPaymentPlans_bank >= 0.5 & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             age >= 23.5 & checkingStatus_no.checking >= 0.5 ~ 
#>             -0.00494205533, (age < 26.5 | is.na(age)) & duration >= 
#>             25.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00778018218, 
#>         (age < 24.5 | is.na(age)) & (age < 34.5 | is.na(age)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -9.06525893e-05, 
#>         age >= 24.5 & (age < 34.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00985147897, 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             age >= 34.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0097101666, 
#>         ownTelephone_none >= 0.5 & age >= 34.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.002434653, 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0117359767, housing_rent >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00355849438, (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_for.free >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00550404284, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>             housing_for.free >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00300002028, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             age >= 26.5 & duration >= 25.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00756899174, (creditAmount < 599.5 | is.na(creditAmount)) & 
#>             (creditAmount < 1005 | is.na(creditAmount)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 25.5 | 
#>             is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0082022408, creditAmount >= 599.5 & (creditAmount < 
#>             1005 | is.na(creditAmount)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 25.5 | 
#>             is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00596211059, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             installmentCommitment >= 3.5 & age >= 26.5 & duration >= 
#>             25.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00442370819, 
#>         residenceSince >= 3.5 & installmentCommitment >= 3.5 & 
#>             age >= 26.5 & duration >= 25.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             9.36366341e-05, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (age < 25.5 | is.na(age)) & creditAmount >= 1005 & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (duration < 25.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00546472101, propertyMagnitude_car >= 0.5 & (age < 
#>             25.5 | is.na(age)) & creditAmount >= 1005 & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 25.5 | 
#>             is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00384421786, (duration < 20.5 | is.na(duration)) & 
#>             age >= 25.5 & creditAmount >= 1005 & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 25.5 | 
#>             is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0124690291, duration >= 20.5 & age >= 25.5 & creditAmount >= 
#>             1005 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (duration < 25.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00463722553) + case_when((duration < 16.5 | is.na(duration)) & 
#>     propertyMagnitude_real.estate >= 0.5 & employment_X1..X.4 >= 
#>     0.5 ~ -0.00913806446, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     checkingStatus_no.checking >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ -0.0120158475, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & installmentCommitment >= 
#>     3.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     0.000561393157, residenceSince >= 2.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & installmentCommitment >= 
#>     3.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     0.00554431835, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (duration < 16.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & employment_X1..X.4 >= 
#>     0.5 ~ 0.00177676999, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     duration >= 16.5 & propertyMagnitude_real.estate >= 0.5 & 
#>     employment_X1..X.4 >= 0.5 ~ 0.00169902435, installmentCommitment >= 
#>     3.5 & duration >= 16.5 & propertyMagnitude_real.estate >= 
#>     0.5 & employment_X1..X.4 >= 0.5 ~ 0.000406188105, job_unskilled.resident >= 
#>     0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ -0.0059287101, housing_rent >= 
#>     0.5 & residenceSince >= 2.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ -0.000422184967, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     existingCredits >= 1.5 & checkingStatus_no.checking >= 0.5 & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     -0.00126719871, creditHistory_critical.other.existing.credit >= 
#>     0.5 & existingCredits >= 1.5 & checkingStatus_no.checking >= 
#>     0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     -0.00906480849, age >= 34.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & otherPaymentPlans_none >= 
#>     0.5 & installmentCommitment >= 3.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ -0.0104244603, (housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & propertyMagnitude_no.known.property >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & installmentCommitment >= 
#>     3.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     0.00586618343, housing_for.free >= 0.5 & propertyMagnitude_no.known.property >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & installmentCommitment >= 
#>     3.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     -0.00169037934, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     ownTelephone_none >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     employment_X1..X.4 >= 0.5 ~ -0.00888146833, job_unskilled.resident >= 
#>     0.5 & ownTelephone_none >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     employment_X1..X.4 >= 0.5 ~ 0.000367943052, residenceSince >= 
#>     3.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     duration >= 16.5 & (propertyMagnitude_real.estate < 0.5 | 
#>     is.na(propertyMagnitude_real.estate)) & employment_X1..X.4 >= 
#>     0.5 ~ 0.00407422613, (age < 28.5 | is.na(age)) & checkingStatus_X.0 >= 
#>     0.5 & duration >= 16.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & employment_X1..X.4 >= 
#>     0.5 ~ 0.00401395885, age >= 28.5 & checkingStatus_X.0 >= 
#>     0.5 & duration >= 16.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & employment_X1..X.4 >= 
#>     0.5 ~ 0.0115425112, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ -0.0031907605, savingsStatus_X.100 >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ 0.00474542193, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & residenceSince >= 2.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ -0.0119727552, creditHistory_existing.paid >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & residenceSince >= 
#>     2.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     -0.00423623435, duration >= 28.5 & (age < 34.5 | is.na(age)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     otherPaymentPlans_none >= 0.5 & installmentCommitment >= 
#>     3.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) ~ 
#>     0.00561100291, (duration < 25.5 | is.na(duration)) & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & duration >= 16.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & employment_X1..X.4 >= 
#>     0.5 ~ -0.00516546471, duration >= 25.5 & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & duration >= 16.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & employment_X1..X.4 >= 
#>     0.5 ~ -0.00109465385, (age < 24.5 | is.na(age)) & (duration < 
#>     28.5 | is.na(duration)) & (age < 34.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & otherPaymentPlans_none >= 
#>     0.5 & installmentCommitment >= 3.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ 0.000443330238, age >= 
#>     24.5 & (duration < 28.5 | is.na(duration)) & (age < 34.5 | 
#>     is.na(age)) & (propertyMagnitude_no.known.property < 0.5 | 
#>     is.na(propertyMagnitude_no.known.property)) & otherPaymentPlans_none >= 
#>     0.5 & installmentCommitment >= 3.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) ~ -0.008087405) + case_when(personalStatus_male.single >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0114689982, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.000571649463, creditHistory_existing.paid >= 0.5 & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00665366091, duration >= 33 & 
#>     installmentCommitment >= 2.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00785168353, job_high.qualif.self.emp.mgmt >= 0.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00256700302, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & housing_rent >= 0.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00245821895, propertyMagnitude_car >= 0.5 & housing_rent >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0111754257, creditHistory_critical.other.existing.credit >= 
#>     0.5 & (duration < 33 | is.na(duration)) & installmentCommitment >= 
#>     2.5 & checkingStatus_X.0 >= 0.5 ~ -0.00891495124, (installmentCommitment < 
#>     3 | is.na(installmentCommitment)) & (duration < 16.5 | is.na(duration)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0108575821, installmentCommitment >= 
#>     3 & (duration < 16.5 | is.na(duration)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & checkingStatus_no.checking >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00389473722, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     duration >= 16.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00469589327, creditHistory_existing.paid >= 
#>     0.5 & duration >= 16.5 & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & checkingStatus_no.checking >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00227115094, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (duration < 33 | is.na(duration)) & installmentCommitment >= 
#>     2.5 & checkingStatus_X.0 >= 0.5 ~ 0.0106826099, (creditAmount < 
#>     1311 | is.na(creditAmount)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00071957428, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & creditHistory_existing.paid >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00742052542, (creditAmount < 
#>     1470 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (duration < 
#>     33 | is.na(duration)) & installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00619664602, (duration < 33 | is.na(duration)) & 
#>     creditAmount >= 1311 & (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0111474479, duration >= 
#>     33 & creditAmount >= 1311 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00429037819, (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & residenceSince >= 
#>     1.5 & creditHistory_existing.paid >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00588709582, propertyMagnitude_real.estate >= 
#>     0.5 & residenceSince >= 1.5 & creditHistory_existing.paid >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00640118355, (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>     1470 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (duration < 33 | is.na(duration)) & installmentCommitment >= 
#>     2.5 & checkingStatus_X.0 >= 0.5 ~ 0.000436295086, personalStatus_female.div.dep.mar >= 
#>     0.5 & creditAmount >= 1470 & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (duration < 
#>     33 | is.na(duration)) & installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0107953418) + case_when((residenceSince < 3.5 | 
#>     is.na(residenceSince)) & creditHistory_all.paid >= 0.5 ~ 
#>     0.0122328782, residenceSince >= 3.5 & creditHistory_all.paid >= 
#>     0.5 ~ 0.00311907637, creditAmount >= 9424.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00452460721, (duration < 
#>     11 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00989027321, existingCredits >= 
#>     1.5 & purpose_furniture.equipment >= 0.5 & (creditAmount < 
#>     9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00837960374, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (duration < 16.5 | is.na(duration)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00604656851, ownTelephone_yes >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.000116944444, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00254471484, (creditAmount < 
#>     2208.5 | is.na(creditAmount)) & duration >= 11 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00839551631, creditAmount >= 
#>     2208.5 & duration >= 11 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00263163005, (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & duration >= 20.5 & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00298468466, (housing_own < 
#>     0.5 | is.na(housing_own)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     purpose_furniture.equipment >= 0.5 & (creditAmount < 9424.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00145986804, housing_own >= 0.5 & (existingCredits < 1.5 | 
#>     is.na(existingCredits)) & purpose_furniture.equipment >= 
#>     0.5 & (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00699017616, existingCredits >= 
#>     1.5 & savingsStatus_X.100 >= 0.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.0125442613, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (propertyMagnitude_car < 0.5 | 
#>     is.na(propertyMagnitude_car)) & (duration < 20.5 | is.na(duration)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00581089174, residenceSince >= 
#>     1.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (duration < 20.5 | is.na(duration)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>     9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.013127638, ownTelephone_yes >= 
#>     0.5 & propertyMagnitude_car >= 0.5 & (duration < 20.5 | is.na(duration)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00344107137, residenceSince >= 
#>     3.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     savingsStatus_X.100 >= 0.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00289127533, (creditAmount < 
#>     1880.5 | is.na(creditAmount)) & (ownTelephone_yes < 0.5 | 
#>     is.na(ownTelephone_yes)) & propertyMagnitude_car >= 0.5 & 
#>     (duration < 20.5 | is.na(duration)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>     9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00364958867, creditAmount >= 
#>     1880.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     propertyMagnitude_car >= 0.5 & (duration < 20.5 | is.na(duration)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00997042377, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (housing_own < 0.5 | 
#>     is.na(housing_own)) & otherPaymentPlans_none >= 0.5 & duration >= 
#>     20.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00499237329, installmentCommitment >= 
#>     3.5 & (housing_own < 0.5 | is.na(housing_own)) & otherPaymentPlans_none >= 
#>     0.5 & duration >= 20.5 & (purpose_furniture.equipment < 0.5 | 
#>     is.na(purpose_furniture.equipment)) & (creditAmount < 9424.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00115201517, (age < 27.5 | is.na(age)) & housing_own >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & duration >= 20.5 & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00392343057, age >= 
#>     27.5 & housing_own >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>     duration >= 20.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditAmount < 9424.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.012660861, (creditAmount < 
#>     3726 | is.na(creditAmount)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & savingsStatus_X.100 >= 
#>     0.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.00995799433, creditAmount >= 
#>     3726 & (residenceSince < 3.5 | is.na(residenceSince)) & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & savingsStatus_X.100 >= 0.5 & 
#>     duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.0021375583) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00196408061, purpose_used.car >= 0.5 & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0106485458, (creditAmount < 1646.5 | is.na(creditAmount)) & 
#>     job_unskilled.resident >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00172028632, creditAmount >= 1646.5 & job_unskilled.resident >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.010941715, (duration < 
#>     11.5 | is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00492357695, (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (duration < 34.5 | 
#>     is.na(duration)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0103772813, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     duration >= 34.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00521527557, residenceSince >= 2.5 & duration >= 34.5 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00625717035, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     purpose_new.car >= 0.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00620411523, residenceSince >= 2.5 & purpose_new.car >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.000672100636, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00284832413, (age < 39 | is.na(age)) & 
#>     otherPaymentPlans_bank >= 0.5 & (duration < 34.5 | is.na(duration)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000333562493, age >= 39 & otherPaymentPlans_bank >= 0.5 & 
#>     (duration < 34.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0074970792, (age < 
#>     25.5 | is.na(age)) & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000452059787, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00454722019, ownTelephone_yes >= 
#>     0.5 & installmentCommitment >= 3.5 & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & checkingStatus_X0..X.200 >= 0.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00286318385, (duration < 22.5 | is.na(duration)) & age >= 
#>     25.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00926586334, duration >= 22.5 & age >= 25.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0031297782, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0120810401, otherPaymentPlans_bank >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.000821580994, (duration < 22 | 
#>     is.na(duration)) & purpose_furniture.equipment >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>     11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.000338726852, duration >= 
#>     22 & purpose_furniture.equipment >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>     11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00467452221) + case_when((residenceSince < 
#>     3.5 | is.na(residenceSince)) & creditHistory_all.paid >= 
#>     0.5 ~ 0.0116232755, residenceSince >= 3.5 & creditHistory_all.paid >= 
#>     0.5 ~ 0.00244239066, (age < 27.5 | is.na(age)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00756289531, (duration < 
#>     16.5 | is.na(duration)) & (installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & checkingStatus_X.0 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00930395909, purpose_new.car >= 0.5 & installmentCommitment >= 
#>     2.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0108341584, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & age >= 27.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00744726742, housing_for.free >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00178066187, ownTelephone_yes >= 0.5 & housing_rent >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00589040574, (creditAmount < 
#>     3506.5 | is.na(creditAmount)) & duration >= 16.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & checkingStatus_X.0 >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00646750303, creditAmount >= 3506.5 & duration >= 16.5 & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00513005583, creditAmount >= 
#>     4238.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     installmentCommitment >= 2.5 & checkingStatus_X.0 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00537429098, (duration < 21 | is.na(duration)) & installmentCommitment >= 
#>     3.5 & age >= 27.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0028844811, duration >= 21 & installmentCommitment >= 3.5 & 
#>     age >= 27.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000606989197, job_high.qualif.self.emp.mgmt >= 0.5 & (housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00482435711, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     housing_rent >= 0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00831958838, job_skilled >= 
#>     0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     housing_rent >= 0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0113685746, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditAmount < 
#>     4238.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & installmentCommitment >= 2.5 & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00796423573, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.0123414872, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & creditHistory_existing.paid >= 
#>     0.5 & (creditAmount < 4238.5 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & installmentCommitment >= 
#>     2.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00261552213, residenceSince >= 
#>     2.5 & creditHistory_existing.paid >= 0.5 & (creditAmount < 
#>     4238.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & installmentCommitment >= 2.5 & 
#>     checkingStatus_X.0 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.00524222665, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & installmentCommitment >= 
#>     3.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (housing_for.free < 0.5 | is.na(housing_for.free)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00941228587, savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>     3.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (housing_for.free < 0.5 | is.na(housing_for.free)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00449830992) + case_when(otherParties_guarantor >= 0.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.01138354, 
#>     creditAmount >= 4602.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & employment_X.1 >= 
#>         0.5 ~ 0.00873350352, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X0..X.200 >= 
#>         0.5 & employment_X.1 >= 0.5 ~ 0.0106258672, propertyMagnitude_life.insurance >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & employment_X.1 >= 
#>         0.5 ~ 0.00266446476, savingsStatus_no.known.savings >= 
#>         0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         checkingStatus_no.checking >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00101479667, duration >= 
#>         34.5 & otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00462575629, duration >= 20.5 & (creditAmount < 4602.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & employment_X.1 >= 
#>         0.5 ~ 0.00310458126, employment_X4..X.7 >= 0.5 & (duration < 
#>         22.5 | is.na(duration)) & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.0107312053, (creditAmount < 
#>         1761 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00768935168, creditAmount >= 1761 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.000845365808, (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (duration < 34.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.0116818985, housing_rent >= 
#>         0.5 & (duration < 34.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00430580275, (creditAmount < 
#>         1458 | is.na(creditAmount)) & (duration < 20.5 | is.na(duration)) & 
#>         (creditAmount < 4602.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & employment_X.1 >= 
#>         0.5 ~ 0.000355664146, creditAmount >= 1458 & (duration < 
#>         20.5 | is.na(duration)) & (creditAmount < 4602.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         employment_X.1 >= 0.5 ~ -0.0110219046, (housing_own < 
#>         0.5 | is.na(housing_own)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & duration >= 22.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00763245998, purpose_used.car >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & duration >= 22.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00339620258, 
#>     (creditAmount < 1297 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 22.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.000260575209, creditAmount >= 
#>         1297 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 22.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00831143092, (creditAmount < 
#>         3072 | is.na(creditAmount)) & housing_own >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 22.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00600903202, 
#>     creditAmount >= 3072 & housing_own >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 22.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00271853851, 
#>     (creditAmount < 2364.5 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 22.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00324536161, creditAmount >= 
#>         2364.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 22.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00874673855, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 22.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00262799277, checkingStatus_X.0 >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 22.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00926569104, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & installmentCommitment >= 
#>         3.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 22.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -9.2910399e-05, employment_X1..X.4 >= 
#>         0.5 & installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 22.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.0070621171) + case_when(creditAmount >= 
#>     9569 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00649561966, job_high.qualif.self.emp.mgmt >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00767357927, creditAmount >= 5745.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0105466545, duration >= 28.5 & job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (creditAmount < 9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00407404918, duration >= 
#>     27.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.012455632, (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & housing_rent >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditAmount < 9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00736093801, checkingStatus_X0..X.200 >= 
#>     0.5 & housing_rent >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00217508827, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (duration < 28.5 | 
#>     is.na(duration)) & job_high.qualif.self.emp.mgmt >= 0.5 & 
#>     (creditAmount < 9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00117664016, propertyMagnitude_car >= 
#>     0.5 & (duration < 28.5 | is.na(duration)) & job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (creditAmount < 9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00715620443, (duration < 
#>     19 | is.na(duration)) & employment_X..7 >= 0.5 & (creditAmount < 
#>     5745.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00103749754, duration >= 19 & employment_X..7 >= 
#>     0.5 & (creditAmount < 5745.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00949680619, (age < 23.5 | is.na(age)) & (duration < 
#>     27.5 | is.na(duration)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditAmount < 9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.000406770327, (age < 
#>     28.5 | is.na(age)) & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & (employment_X..7 < 0.5 | 
#>     is.na(employment_X..7)) & (creditAmount < 5745.5 | is.na(creditAmount)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00113119045, age >= 28.5 & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (creditAmount < 
#>     5745.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0130262971, age >= 39.5 & personalStatus_male.single >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (creditAmount < 5745.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00751691684, (numDependents < 1.5 | is.na(numDependents)) & 
#>     age >= 23.5 & (duration < 27.5 | is.na(duration)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00948441215, (duration < 
#>     22 | is.na(duration)) & (age < 39.5 | is.na(age)) & personalStatus_male.single >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (creditAmount < 5745.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.0120292781, duration >= 22 & (age < 39.5 | is.na(age)) & 
#>     personalStatus_male.single >= 0.5 & (employment_X..7 < 0.5 | 
#>     is.na(employment_X..7)) & (creditAmount < 5745.5 | is.na(creditAmount)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00317401811, (age < 40 | is.na(age)) & 
#>     numDependents >= 1.5 & age >= 23.5 & (duration < 27.5 | is.na(duration)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.000797295768, age >= 40 & 
#>     numDependents >= 1.5 & age >= 23.5 & (duration < 27.5 | is.na(duration)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00748899812) + case_when((otherParties_none < 
#>     0.5 | is.na(otherParties_none)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.00987550709, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (duration < 16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0112280501, propertyMagnitude_life.insurance >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00536441151, (housing_own < 0.5 | is.na(housing_own)) & 
#>         duration >= 16.5 & checkingStatus_no.checking >= 0.5 ~ 
#>         0.00794831663, employment_X..7 >= 0.5 & housing_own >= 
#>         0.5 & duration >= 16.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0111829042, (duration < 22.5 | is.na(duration)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & otherParties_none >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00831696391, duration >= 22.5 & (housing_own < 0.5 | 
#>         is.na(housing_own)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00113108149, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & housing_own >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00106912246, 
#>     duration >= 22.5 & job_unskilled.resident >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00760556664, 
#>     (duration < 21 | is.na(duration)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & housing_own >= 0.5 & duration >= 
#>         16.5 & checkingStatus_no.checking >= 0.5 ~ 0.00505179213, 
#>     (creditAmount < 1599.5 | is.na(creditAmount)) & job_skilled >= 
#>         0.5 & housing_own >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & otherParties_none >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00122533133, creditAmount >= 1599.5 & job_skilled >= 
#>         0.5 & housing_own >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & otherParties_none >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.010937307, (creditAmount < 2525 | is.na(creditAmount)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00495263329, 
#>     creditAmount >= 2525 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         savingsStatus_X.100 >= 0.5 & otherParties_none >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00582616124, purpose_used.car >= 0.5 & residenceSince >= 
#>         1.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         savingsStatus_X.100 >= 0.5 & otherParties_none >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00271779601, (creditAmount < 1309 | is.na(creditAmount)) & 
#>         (duration < 22.5 | is.na(duration)) & job_unskilled.resident >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & otherParties_none >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00170538435, creditAmount >= 1309 & (duration < 22.5 | 
#>         is.na(duration)) & job_unskilled.resident >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0106201228, 
#>     (creditAmount < 7439 | is.na(creditAmount)) & duration >= 
#>         21 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         housing_own >= 0.5 & duration >= 16.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0105433464, creditAmount >= 7439 & duration >= 
#>         21 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         housing_own >= 0.5 & duration >= 16.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000183574739, duration >= 28.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & residenceSince >= 1.5 & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         savingsStatus_X.100 >= 0.5 & otherParties_none >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0145992022, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (duration < 28.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & residenceSince >= 1.5 & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         savingsStatus_X.100 >= 0.5 & otherParties_none >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00861810055, residenceSince >= 3.5 & (duration < 28.5 | 
#>         is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         residenceSince >= 1.5 & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00110131921) + 
#>     case_when((age < 30.5 | is.na(age)) & creditAmount >= 4458.5 & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00307545485, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00752809783, 
#>         (duration < 11 | is.na(duration)) & personalStatus_male.single >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0106037408, 
#>         age >= 35 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             duration >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00240434357, 
#>         residenceSince >= 2.5 & (age < 33.5 | is.na(age)) & (creditAmount < 
#>             4458.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00146322371, (housing_own < 0.5 | is.na(housing_own)) & 
#>             age >= 33.5 & (creditAmount < 4458.5 | is.na(creditAmount)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00446241349, 
#>         housing_own >= 0.5 & age >= 33.5 & (creditAmount < 4458.5 | 
#>             is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0110491225, (age < 36.5 | is.na(age)) & 
#>             age >= 30.5 & creditAmount >= 4458.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00680796802, age >= 36.5 & age >= 30.5 & 
#>             creditAmount >= 4458.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.000511355931, residenceSince >= 3.5 & otherPaymentPlans_none >= 
#>             0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00649980828, 
#>         (creditAmount < 1141.5 | is.na(creditAmount)) & duration >= 
#>             11 & personalStatus_male.single >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00559994904, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (age < 35 | is.na(age)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & duration >= 
#>             22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00324121653, creditHistory_existing.paid >= 0.5 & 
#>             (age < 35 | is.na(age)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & duration >= 
#>             22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0140889855, (duration < 33 | is.na(duration)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             personalStatus_male.single >= 0.5 & duration >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00257789553, duration >= 33 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>             0.5 & duration >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00978803448, 
#>         creditAmount >= 7033.5 & savingsStatus_X.100 >= 0.5 & 
#>             personalStatus_male.single >= 0.5 & duration >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0118024768, (creditHistory_existing.paid < 0.5 | 
#>             is.na(creditHistory_existing.paid)) & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (age < 33.5 | is.na(age)) & 
#>             (creditAmount < 4458.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00315936655, creditHistory_existing.paid >= 
#>             0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (age < 33.5 | is.na(age)) & (creditAmount < 4458.5 | 
#>             is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0104260696, creditAmount >= 1502.5 & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & otherPaymentPlans_none >= 
#>             0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00608577672, 
#>         (creditAmount < 2230 | is.na(creditAmount)) & creditAmount >= 
#>             1141.5 & duration >= 11 & personalStatus_male.single >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00965318736, 
#>         creditAmount >= 2230 & creditAmount >= 1141.5 & duration >= 
#>             11 & personalStatus_male.single >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.000444211153, 
#>         (creditAmount < 2313 | is.na(creditAmount)) & (creditAmount < 
#>             7033.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>             0.5 & personalStatus_male.single >= 0.5 & duration >= 
#>             22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00958714541, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (creditAmount < 1502.5 | is.na(creditAmount)) & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & otherPaymentPlans_none >= 
#>             0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.005617355, 
#>         job_unskilled.resident >= 0.5 & (creditAmount < 1502.5 | 
#>             is.na(creditAmount)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             otherPaymentPlans_none >= 0.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (duration < 
#>             22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00130124134, 
#>         residenceSince >= 3.5 & creditAmount >= 2313 & (creditAmount < 
#>             7033.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>             0.5 & personalStatus_male.single >= 0.5 & duration >= 
#>             22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00544314273, (creditAmount < 3985.5 | is.na(creditAmount)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             creditAmount >= 2313 & (creditAmount < 7033.5 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>             0.5 & duration >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00124971848, 
#>         creditAmount >= 3985.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             creditAmount >= 2313 & (creditAmount < 7033.5 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>             0.5 & duration >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0022903902) + 
#>     case_when(creditAmount >= 7493.5 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0035397904, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00487988489, ownTelephone_none >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00613105809, (creditAmount < 6303 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00993673969, creditAmount >= 6303 & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00190734258, numDependents >= 1.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00404041354, propertyMagnitude_life.insurance >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000468189042, (creditHistory_delayed.previously < 0.5 | 
#>         is.na(creditHistory_delayed.previously)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00149953109, creditHistory_delayed.previously >= 0.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00479873735, (duration < 15 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00499861361, duration >= 15 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0115317237, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 7493.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000178302274, personalStatus_male.single >= 0.5 & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 7493.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00461520022, employment_X..7 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00897396449, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         personalStatus_male.single >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0121291541, (duration < 26 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00732421223, duration >= 26 & checkingStatus_X.0 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -5.92131983e-05, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (duration < 16.5 | is.na(duration)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00202727062, residenceSince >= 1.5 & (duration < 16.5 | 
#>         is.na(duration)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00664450694, (housing_own < 0.5 | is.na(housing_own)) & 
#>         duration >= 16.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000171426116, housing_own >= 0.5 & duration >= 16.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00647676969) + case_when((age < 25.5 | is.na(age)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ -0.0013084946, 
#>     employment_X..7 >= 0.5 & savingsStatus_no.known.savings >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00278265378, housing_rent >= 0.5 & age >= 25.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00218745042, age >= 47.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0131460652, creditAmount >= 8396 & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00770172803, (creditAmount < 1434 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & savingsStatus_no.known.savings >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00466569001, creditAmount >= 1434 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & savingsStatus_no.known.savings >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0114534171, (creditAmount < 1223.5 | is.na(creditAmount)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & age >= 25.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00190535595, creditAmount >= 1223.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & age >= 25.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0111250468, (creditAmount < 2380.5 | is.na(creditAmount)) & 
#>         (age < 30.5 | is.na(age)) & (age < 47.5 | is.na(age)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0114429574, creditAmount >= 2380.5 & (age < 30.5 | 
#>         is.na(age)) & (age < 47.5 | is.na(age)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000523551891, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         age >= 30.5 & (age < 47.5 | is.na(age)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00545485131, (creditAmount < 771 | is.na(creditAmount)) & 
#>         (duration < 14.5 | is.na(duration)) & (creditAmount < 
#>         8396 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000254416635, (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & job_skilled >= 
#>         0.5 & age >= 30.5 & (age < 47.5 | is.na(age)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000127734267, creditHistory_delayed.previously >= 0.5 & 
#>         job_skilled >= 0.5 & age >= 30.5 & (age < 47.5 | is.na(age)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00882869959, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditAmount >= 771 & (duration < 14.5 | is.na(duration)) & 
#>         (creditAmount < 8396 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0112973675, purpose_new.car >= 0.5 & creditAmount >= 
#>         771 & (duration < 14.5 | is.na(duration)) & (creditAmount < 
#>         8396 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000238989422, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (age < 25.5 | is.na(age)) & duration >= 14.5 & (creditAmount < 
#>         8396 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00837522931, residenceSince >= 3.5 & (age < 25.5 | 
#>         is.na(age)) & duration >= 14.5 & (creditAmount < 8396 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0018501482, checkingStatus_X0..X.200 >= 0.5 & age >= 
#>         25.5 & duration >= 14.5 & (creditAmount < 8396 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00369139807, (age < 32.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & age >= 25.5 & 
#>         duration >= 14.5 & (creditAmount < 8396 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0114082154, age >= 32.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & age >= 25.5 & 
#>         duration >= 14.5 & (creditAmount < 8396 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00181704632) + case_when(checkingStatus_no.checking >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.0111624403, (duration < 
#>     16.5 | is.na(duration)) & employment_X.1 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00481237564, duration >= 
#>     16.5 & employment_X.1 >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ 0.00775631191, otherParties_guarantor >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.0118514048, duration >= 27 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ 0.00124918402, (creditAmount < 
#>     1372.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ 0.00375402533, residenceSince >= 
#>     2.5 & (duration < 27 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ -0.00977983605, (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>     1372.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.0104591614, propertyMagnitude_life.insurance >= 
#>     0.5 & creditAmount >= 1372.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.00212339894, creditAmount >= 
#>     3207.5 & (duration < 16.5 | is.na(duration)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00827293471, purpose_used.car >= 
#>     0.5 & duration >= 16.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00883845799, (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (duration < 27 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ -0.00675967801, purpose_new.car >= 
#>     0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & (duration < 
#>     27 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ 0.00228180294, employment_X1..X.4 >= 
#>     0.5 & (creditAmount < 1377 | is.na(creditAmount)) & (creditAmount < 
#>     3207.5 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00590451946, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>     1377 & (creditAmount < 3207.5 | is.na(creditAmount)) & (duration < 
#>     16.5 | is.na(duration)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.0115988823, checkingStatus_no.checking >= 
#>     0.5 & creditAmount >= 1377 & (creditAmount < 3207.5 | is.na(creditAmount)) & 
#>     (duration < 16.5 | is.na(duration)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00305162719, checkingStatus_no.checking >= 
#>     0.5 & (creditAmount < 3415 | is.na(creditAmount)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & duration >= 16.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00113905768, checkingStatus_no.checking >= 
#>     0.5 & creditAmount >= 3415 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 16.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00427144766, (creditAmount < 
#>     845 | is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & (creditAmount < 1377 | is.na(creditAmount)) & 
#>     (creditAmount < 3207.5 | is.na(creditAmount)) & (duration < 
#>     16.5 | is.na(duration)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.000711947039, creditAmount >= 
#>     845 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (creditAmount < 1377 | is.na(creditAmount)) & (creditAmount < 
#>     3207.5 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00569804199, (age < 30 | is.na(age)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditAmount < 3415 | is.na(creditAmount)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & duration >= 16.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00460038008, age >= 30 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>     3415 | is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 16.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.0135042686, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>     3415 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 16.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.000199776769, personalStatus_male.single >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     creditAmount >= 3415 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 16.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00810016692) + case_when(checkingStatus_X..200 >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -0.0111503014, (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     checkingStatus_no.checking >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.0115612512, housing_rent >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00447227759, (creditAmount < 
#>     1488.5 | is.na(creditAmount)) & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     3.5 ~ -0.00591972517, creditAmount >= 1488.5 & (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (ownTelephone_yes < 0.5 | 
#>     is.na(ownTelephone_yes)) & installmentCommitment >= 3.5 ~ 
#>     -0.00101077568, (creditAmount < 3254.5 | is.na(creditAmount)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     ownTelephone_yes >= 0.5 & installmentCommitment >= 3.5 ~ 
#>     -0.0104576284, creditAmount >= 3254.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & ownTelephone_yes >= 0.5 & 
#>     installmentCommitment >= 3.5 ~ -0.00355365407, (age < 37.5 | 
#>     is.na(age)) & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     residenceSince >= 1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 3.5 ~ 0.0145731336, age >= 37.5 & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     residenceSince >= 1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 3.5 ~ 0.00468223123, age >= 48 & 
#>     otherPaymentPlans_none >= 0.5 & residenceSince >= 1.5 & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     3.5 ~ -0.00408797339, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     savingsStatus_X.100 >= 0.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>     3.5 ~ 0.00819493178, residenceSince >= 3.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & savingsStatus_X.100 >= 
#>     0.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>     3.5 ~ -0.00211403077, (age < 30 | is.na(age)) & creditHistory_existing.paid >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & ownTelephone_yes >= 0.5 & 
#>     installmentCommitment >= 3.5 ~ 0.000265688723, age >= 30 & 
#>     creditHistory_existing.paid >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>     3.5 ~ -0.00976050086, purpose_new.car >= 0.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>     3915.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ 0.00752047868, (age < 
#>     39.5 | is.na(age)) & personalStatus_male.single >= 0.5 & 
#>     (creditAmount < 3915.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.0100371726, age >= 
#>     39.5 & personalStatus_male.single >= 0.5 & (creditAmount < 
#>     3915.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.0038763436, (age < 
#>     29 | is.na(age)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     creditAmount >= 3915.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.000690126617, age >= 29 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & creditAmount >= 3915.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.0072780638, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & savingsStatus_X.100 >= 0.5 & 
#>     creditAmount >= 3915.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.000831794867, existingCredits >= 1.5 & savingsStatus_X.100 >= 
#>     0.5 & creditAmount >= 3915.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ 0.00937561225, (housing_own < 
#>     0.5 | is.na(housing_own)) & (age < 48 | is.na(age)) & otherPaymentPlans_none >= 
#>     0.5 & residenceSince >= 1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 3.5 ~ 0.00745230075, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & (creditAmount < 3915.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.00117745472, ownTelephone_none >= 0.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>     3915.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00981991831, personalStatus_female.div.dep.mar >= 
#>     0.5 & housing_own >= 0.5 & (age < 48 | is.na(age)) & otherPaymentPlans_none >= 
#>     0.5 & residenceSince >= 1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 3.5 ~ 0.00464625936, (creditAmount < 
#>     2580 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & housing_own >= 
#>     0.5 & (age < 48 | is.na(age)) & otherPaymentPlans_none >= 
#>     0.5 & residenceSince >= 1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 3.5 ~ 0.0021248369, creditAmount >= 
#>     2580 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     housing_own >= 0.5 & (age < 48 | is.na(age)) & otherPaymentPlans_none >= 
#>     0.5 & residenceSince >= 1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 3.5 ~ -0.00716212718) + case_when(propertyMagnitude_no.known.property >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.00265263813, (creditAmount < 2176 | is.na(creditAmount)) & 
#>     (duration < 11.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0110554714, creditAmount >= 2176 & (duration < 11.5 | 
#>     is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0016426252, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ -0.00207055197, 
#>     employment_X4..X.7 >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0110556362, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0119434558, purpose_furniture.equipment >= 0.5 & 
#>         otherPaymentPlans_none >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00399505207, creditAmount >= 6714.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00917070266, (creditAmount < 2787 | is.na(creditAmount)) & 
#>         savingsStatus_no.known.savings >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00453899894, creditAmount >= 2787 & savingsStatus_no.known.savings >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0113110496, creditAmount >= 3863 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & checkingStatus_no.checking >= 
#>         0.5 & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00582809793, otherParties_guarantor >= 0.5 & (creditAmount < 
#>         6714.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00942146592, (creditAmount < 1343 | is.na(creditAmount)) & 
#>         (creditAmount < 3863 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & checkingStatus_no.checking >= 
#>         0.5 & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000264045986, creditAmount >= 1343 & (creditAmount < 
#>         3863 | is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & checkingStatus_no.checking >= 
#>         0.5 & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00855232403, (creditAmount < 3559 | is.na(creditAmount)) & 
#>         (age < 32.5 | is.na(age)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditAmount < 
#>         6714.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00295119896, creditAmount >= 3559 & (age < 32.5 | is.na(age)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 6714.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00741403922, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         age >= 32.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 6714.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00101923116, savingsStatus_X.100 >= 0.5 & age >= 32.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 6714.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00935035665) + case_when((installmentCommitment < 3.5 | 
#>     is.na(installmentCommitment)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00837960653, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     job_skilled >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00912122615, (creditAmount < 1377.5 | is.na(creditAmount)) & 
#>     (age < 23.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 ~ 
#>     0.0013066174, creditAmount >= 1377.5 & (age < 23.5 | is.na(age)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.0121644707, duration >= 47.5 & 
#>     age >= 23.5 & savingsStatus_X.100 >= 0.5 ~ 0.00999404956, 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 3.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.0054997215, creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 3.5 & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.00120370928, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         checkingStatus_X.0 >= 0.5 & job_skilled >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ 0.00157177041, personalStatus_male.single >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & job_skilled >= 0.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.00416923361, creditHistory_all.paid >= 0.5 & (duration < 
#>         47.5 | is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.0127032753, purpose_education >= 0.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 47.5 | 
#>         is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00465336442, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 25.5 | is.na(age)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 47.5 | 
#>         is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00587292993, purpose_radio.tv >= 0.5 & (age < 
#>         25.5 | is.na(age)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 47.5 | is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00316202152, (creditAmount < 8225.5 | is.na(creditAmount)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         age >= 25.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 47.5 | is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00866519287, creditAmount >= 8225.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & age >= 25.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 47.5 | 
#>         is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00249405159, (creditAmount < 1900.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 3.5 & age >= 25.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 47.5 | 
#>         is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00648838701, creditAmount >= 1900.5 & installmentCommitment >= 
#>         3.5 & age >= 25.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 47.5 | is.na(duration)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00266385218) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 
#>     0.0053570983, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     age >= 34.5 & personalStatus_female.div.dep.mar >= 0.5 ~ 
#>     -0.00260345335, (housing_own < 0.5 | is.na(housing_own)) & 
#>     checkingStatus_no.checking >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.00215058168, 
#>     creditAmount >= 3565.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 34.5 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ -0.0014818497, (creditAmount < 1775 | is.na(creditAmount)) & 
#>         purpose_radio.tv >= 0.5 & (age < 34.5 | is.na(age)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 ~ -0.000950627611, 
#>     creditAmount >= 1775 & purpose_radio.tv >= 0.5 & (age < 34.5 | 
#>         is.na(age)) & personalStatus_female.div.dep.mar >= 0.5 ~ 
#>         -0.0081997579, (creditAmount < 3617 | is.na(creditAmount)) & 
#>         ownTelephone_yes >= 0.5 & age >= 34.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ -0.0096771596, creditAmount >= 3617 & ownTelephone_yes >= 
#>         0.5 & age >= 34.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ -0.00239041657, purpose_new.car >= 0.5 & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 
#>         0.011435681, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & housing_own >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.0116547188, 
#>     propertyMagnitude_life.insurance >= 0.5 & housing_own >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.00478636613, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 3565.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (age < 34.5 | is.na(age)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 ~ 0.000264812785, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.0111919306, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 0.0014408225, 
#>     installmentCommitment >= 2.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.00433790544, 
#>     purpose_radio.tv >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 0.0027255672, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 3565.5 | 
#>         is.na(creditAmount)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 34.5 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ 0.0131695503, propertyMagnitude_life.insurance >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         3565.5 | is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (age < 34.5 | is.na(age)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 ~ 0.00172749779, 
#>     (age < 38 | is.na(age)) & installmentCommitment >= 3.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (duration < 22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.00710869953, 
#>     age >= 38 & installmentCommitment >= 3.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (duration < 
#>         22.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.00175901037, 
#>     creditAmount >= 8134 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 
#>         0.00349390926, (creditAmount < 3506 | is.na(creditAmount)) & 
#>         (creditAmount < 8134 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & duration >= 22.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.000771425024, 
#>     creditAmount >= 3506 & (creditAmount < 8134 | is.na(creditAmount)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 
#>         -0.0104606915) + case_when(propertyMagnitude_real.estate >= 
#>     0.5 & (duration < 11.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.00916354079, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 3888.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0104942406, creditAmount >= 7581.5 & creditAmount >= 
#>         3888.5 & checkingStatus_no.checking >= 0.5 ~ -0.00633940799, 
#>     (age < 35.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         11.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00414174376, 
#>     age >= 35.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 11.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00714352215, 
#>     job_unskilled.resident >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>         duration >= 11.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.00365694519, 
#>     job_unskilled.resident >= 0.5 & installmentCommitment >= 
#>         3.5 & (creditAmount < 3888.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00306029874, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         7581.5 | is.na(creditAmount)) & creditAmount >= 3888.5 & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00558535149, personalStatus_male.single >= 
#>         0.5 & (creditAmount < 7581.5 | is.na(creditAmount)) & 
#>         creditAmount >= 3888.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00341368513, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & savingsStatus_X100..X.500 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 11.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.000612966018, 
#>     creditHistory_existing.paid >= 0.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 11.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.0103214486, (creditAmount < 
#>         1476 | is.na(creditAmount)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & installmentCommitment >= 
#>         3.5 & (creditAmount < 3888.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.010598179, creditAmount >= 
#>         1476 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         installmentCommitment >= 3.5 & (creditAmount < 3888.5 | 
#>         is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00548821967, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         (creditAmount < 2878 | is.na(creditAmount)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00708591985, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         creditAmount >= 2878 & (savingsStatus_X100..X.500 < 0.5 | 
#>         is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00143062125, purpose_new.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0109961582, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00225600228, 
#>     personalStatus_female.div.dep.mar >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000371776376, 
#>     personalStatus_female.div.dep.mar >= 0.5 & otherParties_none >= 
#>         0.5 & (creditAmount < 2878 | is.na(creditAmount)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00393057708, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         creditAmount >= 2878 & (savingsStatus_X100..X.500 < 0.5 | 
#>         is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0114072859, ownTelephone_yes >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & creditAmount >= 
#>         2878 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 11.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.00453603407, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0001419256, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & otherParties_none >= 
#>         0.5 & (creditAmount < 2878 | is.na(creditAmount)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0022831196, job_skilled >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & otherParties_none >= 
#>         0.5 & (creditAmount < 2878 | is.na(creditAmount)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00918788742, (creditAmount < 4696.5 | is.na(creditAmount)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00819396507, 
#>     creditAmount >= 4696.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000301934691) + 
#>     case_when(duration >= 31.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         0.011179151, (age < 26.5 | is.na(age)) & duration >= 
#>         28.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00789107755, otherPaymentPlans_bank >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (duration < 
#>         28.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.00162786245, savingsStatus_no.known.savings >= 
#>         0.5 & age >= 26.5 & duration >= 28.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00788802933, (age < 
#>         35.5 | is.na(age)) & purpose_new.car >= 0.5 & (duration < 
#>         31.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00888405554, age >= 35.5 & purpose_new.car >= 0.5 & 
#>         (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.000661341764, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (duration < 28.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0103032691, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (duration < 28.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00580176059, (numDependents < 
#>         1.5 | is.na(numDependents)) & personalStatus_male.single >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & (duration < 28.5 | 
#>         is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0107981171, numDependents >= 1.5 & personalStatus_male.single >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & (duration < 28.5 | 
#>         is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00590640819, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         age >= 26.5 & duration >= 28.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.0105791138, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.00474647107, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00791464746, (age < 27.5 | 
#>         is.na(age)) & housing_own >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.0106113674, employment_X..7 >= 
#>         0.5 & residenceSince >= 3.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (duration < 
#>         28.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.00918217842, propertyMagnitude_real.estate >= 
#>         0.5 & installmentCommitment >= 2.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (duration < 28.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00839781016, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & age >= 
#>         26.5 & duration >= 28.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ 0.00282607228, job_skilled >= 
#>         0.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & age >= 
#>         26.5 & duration >= 28.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.00328428391, (age < 39 | 
#>         is.na(age)) & age >= 27.5 & housing_own >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.00205625524, age >= 39 & 
#>         age >= 27.5 & housing_own >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00768700801, (age < 26.5 | 
#>         is.na(age)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         residenceSince >= 3.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (duration < 
#>         28.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.0065766722, age >= 26.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & residenceSince >= 
#>         3.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (duration < 28.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00449383957, (housing_own < 
#>         0.5 | is.na(housing_own)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & installmentCommitment >= 
#>         2.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (duration < 28.5 | 
#>         is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00477308687, housing_own >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & installmentCommitment >= 
#>         2.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (duration < 28.5 | 
#>         is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00105986046) + case_when(purpose_business >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 ~ 0.00280820322, creditAmount >= 
#>     4344.5 & (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00342309102, 
#>     age >= 41 & (creditAmount < 2313 | is.na(creditAmount)) & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -2.95286591e-05, 
#>     (age < 23.5 | is.na(age)) & (creditAmount < 4602.5 | is.na(creditAmount)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00115132786, age >= 
#>         23.5 & (creditAmount < 4602.5 | is.na(creditAmount)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0102482261, personalStatus_female.div.dep.mar >= 
#>         0.5 & creditAmount >= 4602.5 & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00567055261, (age < 27 | is.na(age)) & (creditAmount < 
#>         971 | is.na(creditAmount)) & (creditAmount < 4344.5 | 
#>         is.na(creditAmount)) & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00609996077, age >= 27 & (creditAmount < 971 | is.na(creditAmount)) & 
#>         (creditAmount < 4344.5 | is.na(creditAmount)) & (duration < 
#>         15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00214327918, 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & creditAmount >= 
#>         971 & (creditAmount < 4344.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00167969591, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (age < 41 | is.na(age)) & (creditAmount < 2313 | is.na(creditAmount)) & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.00560068246, personalStatus_female.div.dep.mar >= 
#>         0.5 & (age < 41 | is.na(age)) & (creditAmount < 2313 | 
#>         is.na(creditAmount)) & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0127051435, 
#>     age >= 58.5 & age >= 41.5 & creditAmount >= 2313 & duration >= 
#>         15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00072107953, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 4602.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00317157293, residenceSince >= 
#>         2.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 4602.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00820297096, (creditAmount < 
#>         1913.5 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         creditAmount >= 971 & (creditAmount < 4344.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0109185111, 
#>     creditAmount >= 1913.5 & residenceSince >= 1.5 & creditAmount >= 
#>         971 & (creditAmount < 4344.5 | is.na(creditAmount)) & 
#>         (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00493331486, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (age < 41.5 | is.na(age)) & creditAmount >= 2313 & duration >= 
#>         15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00968320016, creditAmount >= 5394.5 & creditHistory_existing.paid >= 
#>         0.5 & (age < 41.5 | is.na(age)) & creditAmount >= 2313 & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.0100368466, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (age < 58.5 | is.na(age)) & 
#>         age >= 41.5 & creditAmount >= 2313 & duration >= 15.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.010060668, ownTelephone_none >= 0.5 & (age < 58.5 | 
#>         is.na(age)) & age >= 41.5 & creditAmount >= 2313 & duration >= 
#>         15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00156865653, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (age < 41.5 | 
#>         is.na(age)) & creditAmount >= 2313 & duration >= 15.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         2.47591961e-05, otherPaymentPlans_none >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (age < 41.5 | is.na(age)) & creditAmount >= 2313 & duration >= 
#>         15.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0014217688, (duration < 25.5 | is.na(duration)) & (creditAmount < 
#>         5394.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (age < 41.5 | is.na(age)) & creditAmount >= 2313 & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.00398570579, 
#>     duration >= 25.5 & (creditAmount < 5394.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (age < 41.5 | is.na(age)) & 
#>         creditAmount >= 2313 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00125103258) + 
#>     case_when((creditAmount < 1179.5 | is.na(creditAmount)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000536874868, 
#>         (creditAmount < 1468.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0114428839, (duration < 19.5 | is.na(duration)) & 
#>             otherPaymentPlans_bank >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00421007769, duration >= 19.5 & otherPaymentPlans_bank >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00684278458, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             creditAmount >= 1179.5 & (residenceSince < 1.5 | 
#>             is.na(residenceSince)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00178460486, 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 1179.5 & 
#>             (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.011095278, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             creditAmount >= 1468.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0100668753, numDependents >= 1.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0108664213, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             propertyMagnitude_real.estate >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0103507433, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             housing_for.free >= 0.5 & duration >= 22.5 & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00890260842, savingsStatus_X.100 >= 0.5 & housing_for.free >= 
#>             0.5 & duration >= 22.5 & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00375001831, (age < 31 | is.na(age)) & installmentCommitment >= 
#>             3.5 & creditAmount >= 1468.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.0077919024, employment_X.1 >= 0.5 & (numDependents < 
#>             1.5 | is.na(numDependents)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00730903354, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & employment_X1..X.4 >= 
#>             0.5 & propertyMagnitude_real.estate >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000179182942, personalStatus_male.single >= 0.5 & 
#>             employment_X1..X.4 >= 0.5 & propertyMagnitude_real.estate >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00448837085, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00413833233, 
#>         ownTelephone_none >= 0.5 & (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & duration >= 22.5 & 
#>             residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00228886632, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             installmentCommitment >= 2.5 & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & duration >= 22.5 & 
#>             residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0126570342, 
#>         employment_X1..X.4 >= 0.5 & installmentCommitment >= 
#>             2.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             duration >= 22.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.000807006494, 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & age >= 
#>             31 & installmentCommitment >= 3.5 & creditAmount >= 
#>             1468.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.0059574265, 
#>         residenceSince >= 3.5 & age >= 31 & installmentCommitment >= 
#>             3.5 & creditAmount >= 1468.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.000517352193, otherPaymentPlans_bank >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00488522463, (creditAmount < 1296.5 | is.na(creditAmount)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00342013431, creditAmount >= 1296.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (numDependents < 1.5 | 
#>             is.na(numDependents)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>             22.5 | is.na(duration)) & residenceSince >= 1.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00937548373) + case_when(duration >= 25.5 & (age < 
#>     25.5 | is.na(age)) ~ 0.0107263038, creditAmount >= 3139 & 
#>     (duration < 25.5 | is.na(duration)) & (age < 25.5 | is.na(age)) ~ 
#>     -0.00809819344, creditHistory_delayed.previously >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 & age >= 25.5 ~ -0.00276320637, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditAmount < 3139 | is.na(creditAmount)) & (duration < 
#>         25.5 | is.na(duration)) & (age < 25.5 | is.na(age)) ~ 
#>         -0.00129966787, (duration < 10.5 | is.na(duration)) & 
#>         (creditAmount < 1110.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         -0.00160101033, duration >= 10.5 & (creditAmount < 1110.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         0.00992250722, purpose_education >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 & age >= 25.5 ~ -0.00137160427, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_X.100 >= 
#>         0.5 & (creditAmount < 3139 | is.na(creditAmount)) & (duration < 
#>         25.5 | is.na(duration)) & (age < 25.5 | is.na(age)) ~ 
#>         0.00658831559, propertyMagnitude_life.insurance >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 3139 | is.na(creditAmount)) & 
#>         (duration < 25.5 | is.na(duration)) & (age < 25.5 | is.na(age)) ~ 
#>         -0.00191755628, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (duration < 14.5 | is.na(duration)) & creditAmount >= 
#>         1110.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 25.5 ~ -1.0185262e-05, housing_own >= 0.5 & (duration < 
#>         14.5 | is.na(duration)) & creditAmount >= 1110.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         -0.0114526832, (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 & age >= 25.5 ~ -0.0110977488, savingsStatus_no.known.savings >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_no.checking >= 0.5 & age >= 25.5 ~ -0.00512714917, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & duration >= 
#>         14.5 & creditAmount >= 1110.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         -0.00866963249, personalStatus_male.single >= 0.5 & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & duration >= 14.5 & creditAmount >= 
#>         1110.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 25.5 ~ -0.00307822064, (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & (creditAmount < 3422.5 | is.na(creditAmount)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         residenceSince >= 1.5 & duration >= 14.5 & creditAmount >= 
#>         1110.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 25.5 ~ 0.00491706841, employment_X..7 >= 0.5 & 
#>         (creditAmount < 3422.5 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & residenceSince >= 
#>         1.5 & duration >= 14.5 & creditAmount >= 1110.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         -0.00467048958, (creditAmount < 6249 | is.na(creditAmount)) & 
#>         creditAmount >= 3422.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & residenceSince >= 1.5 & 
#>         duration >= 14.5 & creditAmount >= 1110.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         -0.011350343, creditAmount >= 6249 & creditAmount >= 
#>         3422.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         residenceSince >= 1.5 & duration >= 14.5 & creditAmount >= 
#>         1110.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 25.5 ~ -0.0010914061, (age < 30.5 | is.na(age)) & 
#>         (duration < 25.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & residenceSince >= 1.5 & duration >= 14.5 & creditAmount >= 
#>         1110.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 25.5 ~ -0.00536090741, age >= 30.5 & (duration < 
#>         25.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         residenceSince >= 1.5 & duration >= 14.5 & creditAmount >= 
#>         1110.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 25.5 ~ 0.00319541688, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & duration >= 
#>         25.5 & savingsStatus_X.100 >= 0.5 & residenceSince >= 
#>         1.5 & duration >= 14.5 & creditAmount >= 1110.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         0.0123262899, personalStatus_male.single >= 0.5 & duration >= 
#>         25.5 & savingsStatus_X.100 >= 0.5 & residenceSince >= 
#>         1.5 & duration >= 14.5 & creditAmount >= 1110.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 25.5 ~ 
#>         0.0047673895) + case_when(employment_X4..X.7 >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 4076 ~ -0.00149532151, (age < 27.5 | is.na(age)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & creditAmount >= 
#>     4076 ~ 0.00384185417, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditAmount < 4076 | is.na(creditAmount)) ~ -0.0116086202, 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 4076 | 
#>         is.na(creditAmount)) ~ -0.00588029437, checkingStatus_X0..X.200 >= 
#>         0.5 & savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 4076 | 
#>         is.na(creditAmount)) ~ 0.00322134304, (installmentCommitment < 
#>         1.5 | is.na(installmentCommitment)) & checkingStatus_X.0 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | 
#>         is.na(creditAmount)) ~ -0.00547706895, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 4076 ~ 0.010642048, (age < 38.5 | is.na(age)) & 
#>         age >= 27.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 4076 ~ -0.00874363258, age >= 38.5 & 
#>         age >= 27.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 4076 ~ -0.00291352929, (duration < 
#>         16.5 | is.na(duration)) & employment_X1..X.4 >= 0.5 & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditAmount < 4076 | is.na(creditAmount)) ~ -0.00735009043, 
#>     duration >= 16.5 & employment_X1..X.4 >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 4076 | 
#>         is.na(creditAmount)) ~ -0.00252224272, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (age < 25.5 | 
#>         is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | is.na(creditAmount)) ~ 
#>         0.000545510964, checkingStatus_no.checking >= 0.5 & (age < 
#>         25.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | is.na(creditAmount)) ~ 
#>         0.0068942043, otherPaymentPlans_bank >= 0.5 & age >= 
#>         25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | is.na(creditAmount)) ~ 
#>         -0.000307644252, creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 1.5 & checkingStatus_X.0 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | 
#>         is.na(creditAmount)) ~ -0.00294425362, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & employment_X1..X.4 >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 4076 ~ 0.00557697332, creditHistory_existing.paid >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 4076 ~ -0.00274854479, job_skilled >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         age >= 25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | is.na(creditAmount)) ~ 
#>         -0.00902492274, (creditAmount < 1460 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 1.5 & checkingStatus_X.0 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | 
#>         is.na(creditAmount)) ~ 0.0123331798, creditAmount >= 
#>         1460 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 1.5 & checkingStatus_X.0 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | 
#>         is.na(creditAmount)) ~ 0.00432034768, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & age >= 25.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & savingsStatus_X.100 >= 
#>         0.5 & (creditAmount < 4076 | is.na(creditAmount)) ~ 0.000746699865, 
#>     existingCredits >= 1.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         age >= 25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 4076 | is.na(creditAmount)) ~ 
#>         -0.00727070356) + case_when(creditAmount >= 10663.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00707126176, purpose_used.car >= 0.5 & (creditAmount < 
#>     10663.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0106356395, creditAmount >= 
#>     4802.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00803140271, (creditAmount < 
#>     4490 | is.na(creditAmount)) & propertyMagnitude_no.known.property >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00955194701, creditAmount >= 
#>     4490 & propertyMagnitude_no.known.property >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00351641746, (creditAmount < 1285.5 | is.na(creditAmount)) & 
#>     (creditAmount < 4802.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00535173574, numDependents >= 1.5 & installmentCommitment >= 
#>     3.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (creditAmount < 10663.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.006933589, (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & creditAmount >= 1285.5 & 
#>     (creditAmount < 4802.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00324888364, (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & housing_rent >= 0.5 & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>     10663.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00234849844, checkingStatus_no.checking >= 
#>     0.5 & housing_rent >= 0.5 & (installmentCommitment < 3.5 | 
#>     is.na(installmentCommitment)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & (creditAmount < 10663.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0026208153, job_high.qualif.self.emp.mgmt >= 0.5 & (numDependents < 
#>     1.5 | is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>     10663.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00274167047, duration >= 33 & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditAmount < 10663.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00173219561, (age < 29.5 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditAmount < 10663.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00113415602, age >= 29.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditAmount < 10663.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00592623884, duration >= 33 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>     10663.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00137650303, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & otherPaymentPlans_none >= 
#>     0.5 & creditAmount >= 1285.5 & (creditAmount < 4802.5 | is.na(creditAmount)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00711295055, propertyMagnitude_car >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     otherPaymentPlans_none >= 0.5 & creditAmount >= 1285.5 & 
#>     (creditAmount < 4802.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00281846197, (duration < 19 | is.na(duration)) & 
#>     personalStatus_female.div.dep.mar >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 & creditAmount >= 1285.5 & (creditAmount < 4802.5 | is.na(creditAmount)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.0114245834, duration >= 19 & 
#>     personalStatus_female.div.dep.mar >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 & creditAmount >= 1285.5 & (creditAmount < 4802.5 | is.na(creditAmount)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00277752033, (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (duration < 33 | is.na(duration)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditAmount < 10663.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0112434803, employment_X4..X.7 >= 0.5 & (duration < 33 | 
#>     is.na(duration)) & (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (installmentCommitment < 3.5 | 
#>     is.na(installmentCommitment)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & (creditAmount < 10663.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00402098708, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (duration < 33 | 
#>     is.na(duration)) & (job_high.qualif.self.emp.mgmt < 0.5 | 
#>     is.na(job_high.qualif.self.emp.mgmt)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>     10663.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0093267085, personalStatus_female.div.dep.mar >= 
#>     0.5 & (duration < 33 | is.na(duration)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>     10663.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000899292412) + case_when(creditAmount >= 
#>     5429.5 & (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00433039106, (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & (residenceSince < 2.5 | 
#>     is.na(residenceSince)) & (otherPaymentPlans_none < 0.5 | 
#>     is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000278821943, checkingStatus_no.checking >= 
#>     0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00661984086, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & residenceSince >= 
#>     2.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000578249921, checkingStatus_no.checking >= 0.5 & residenceSince >= 
#>     2.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00509831216, (duration < 16.5 | is.na(duration)) & purpose_furniture.equipment >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00613329513, duration >= 
#>     16.5 & purpose_furniture.equipment >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00587131782, (duration < 19.5 | is.na(duration)) & (creditAmount < 
#>     5429.5 | is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00979419518, duration >= 19.5 & 
#>     (creditAmount < 5429.5 | is.na(creditAmount)) & (job_skilled < 
#>     0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 0.5 ~ -0.000947009481, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (duration < 16.5 | is.na(duration)) & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00478335051, creditHistory_existing.paid >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00426950818, (duration < 
#>         30 | is.na(duration)) & savingsStatus_X100..X.500 >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00246556057, duration >= 
#>         30 & savingsStatus_X100..X.500 >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00247965311, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (age < 30.5 | is.na(age)) & duration >= 16.5 & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 ~ 0.000573136669, employment_X1..X.4 >= 
#>         0.5 & (age < 30.5 | is.na(age)) & duration >= 16.5 & 
#>         job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00621198304, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         age >= 30.5 & duration >= 16.5 & job_skilled >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.0113156205, personalStatus_male.single >= 
#>         0.5 & age >= 30.5 & duration >= 16.5 & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00451788213, (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.011094477, numDependents >= 1.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00356615614, creditAmount >= 3914 & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.000165037418, (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditAmount < 3914 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00993738789, purpose_new.car >= 
#>         0.5 & (creditAmount < 3914 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.000852230762) + 
#>     case_when(checkingStatus_X.0 >= 0.5 & savingsStatus_no.known.savings >= 
#>         0.5 ~ -0.00222349423, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         6798.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.0104751652, personalStatus_female.div.dep.mar >= 0.5 & 
#>         creditAmount >= 6798.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00262119761, 
#>         (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             savingsStatus_no.known.savings >= 0.5 ~ -0.00165458315, 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.000364967214, 
#>         duration >= 19 & installmentCommitment >= 1.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & savingsStatus_no.known.savings >= 
#>             0.5 ~ -0.0116873607, checkingStatus_no.checking >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (creditAmount < 6798.5 | is.na(creditAmount)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             -0.0107537275, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (duration < 19 | is.na(duration)) & installmentCommitment >= 
#>             1.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             savingsStatus_no.known.savings >= 0.5 ~ -0.0090105338, 
#>         residenceSince >= 3.5 & (duration < 19 | is.na(duration)) & 
#>             installmentCommitment >= 1.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & savingsStatus_no.known.savings >= 
#>             0.5 ~ -0.000505247503, (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00679345895, 
#>         propertyMagnitude_car >= 0.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00185131491, 
#>         propertyMagnitude_life.insurance >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.0024455355, 
#>         (duration < 16.5 | is.na(duration)) & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>             3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00701761292, 
#>         duration >= 16.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.000326829671, 
#>         checkingStatus_no.checking >= 0.5 & residenceSince >= 
#>             1.5 & installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00237450306, 
#>         (duration < 13.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (creditAmount < 6798.5 | is.na(creditAmount)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             0.000437964976, (age < 25.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             otherPaymentPlans_none >= 0.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 3.19639621e-05, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.0119057316, 
#>         (age < 31.5 | is.na(age)) & duration >= 13.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (creditAmount < 6798.5 | is.na(creditAmount)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             -0.00350042013, age >= 31.5 & duration >= 13.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (creditAmount < 6798.5 | is.na(creditAmount)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             -0.00848053955, (duration < 13.5 | is.na(duration)) & 
#>             age >= 25.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             otherPaymentPlans_none >= 0.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00574262626, 
#>         duration >= 13.5 & age >= 25.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             otherPaymentPlans_none >= 0.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.0115616592, 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             creditHistory_existing.paid >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & residenceSince >= 
#>             1.5 & installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.006680978, 
#>         ownTelephone_yes >= 0.5 & creditHistory_existing.paid >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 6798.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.000170428611) + 
#>     case_when((employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         duration >= 31.5 & (age < 29.5 | is.na(age)) ~ 0.0122693162, 
#>         employment_X4..X.7 >= 0.5 & duration >= 31.5 & (age < 
#>             29.5 | is.na(age)) ~ 0.00385501981, creditHistory_critical.other.existing.credit >= 
#>             0.5 & propertyMagnitude_no.known.property >= 0.5 & 
#>             age >= 29.5 ~ -0.00398034183, purpose_new.car >= 
#>             0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 29.5 | 
#>             is.na(age)) ~ 0.00769867934, (creditAmount < 1774 | 
#>             is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (duration < 31.5 | is.na(duration)) & (age < 
#>             29.5 | is.na(age)) ~ -0.0100096678, creditAmount >= 
#>             1774 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (duration < 31.5 | is.na(duration)) & (age < 
#>             29.5 | is.na(age)) ~ -0.00138100574, (housing_own < 
#>             0.5 | is.na(housing_own)) & checkingStatus_X.0 >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & age >= 
#>             29.5 ~ 0.00581578258, (age < 37 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & age >= 
#>             29.5 ~ 0.000195576897, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ -0.00182989892, (duration < 13.5 | 
#>             is.na(duration)) & purpose_new.car >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ -0.0076280036, duration >= 13.5 & purpose_new.car >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ -0.000237723056, ownTelephone_yes >= 
#>             0.5 & housing_own >= 0.5 & checkingStatus_X.0 >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & age >= 
#>             29.5 ~ -0.00973658822, (installmentCommitment < 3.5 | 
#>             is.na(installmentCommitment)) & age >= 37 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & age >= 
#>             29.5 ~ 0.00264009344, installmentCommitment >= 3.5 & 
#>             age >= 37 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & age >= 
#>             29.5 ~ 0.0124369953, (housing_own < 0.5 | is.na(housing_own)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 29.5 | 
#>             is.na(age)) ~ 0.000280159584, housing_own >= 0.5 & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 29.5 | 
#>             is.na(age)) ~ -0.00760005228, (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & residenceSince >= 
#>             1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ -0.0110404044, (creditAmount < 1633.5 | 
#>             is.na(creditAmount)) & (ownTelephone_yes < 0.5 | 
#>             is.na(ownTelephone_yes)) & housing_own >= 0.5 & checkingStatus_X.0 >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & age >= 
#>             29.5 ~ -0.00212409534, creditAmount >= 1633.5 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & housing_own >= 0.5 & 
#>             checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ 0.00639792951, (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (creditAmount < 1461 | is.na(creditAmount)) & job_skilled >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 29.5 | 
#>             is.na(age)) ~ -0.00693311682, personalStatus_female.div.dep.mar >= 
#>             0.5 & (creditAmount < 1461 | is.na(creditAmount)) & 
#>             job_skilled >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 29.5 | 
#>             is.na(age)) ~ 0.00335287955, (creditAmount < 2235 | 
#>             is.na(creditAmount)) & creditAmount >= 1461 & job_skilled >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 29.5 | 
#>             is.na(age)) ~ 0.00695798919, creditAmount >= 2235 & 
#>             creditAmount >= 1461 & job_skilled >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 29.5 | 
#>             is.na(age)) ~ -0.00157663145, (creditAmount < 1906.5 | 
#>             is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>             residenceSince >= 1.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ -0.00825132057, (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & creditAmount >= 
#>             1906.5 & savingsStatus_X.100 >= 0.5 & residenceSince >= 
#>             1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ -0.00555301178, propertyMagnitude_real.estate >= 
#>             0.5 & creditAmount >= 1906.5 & savingsStatus_X.100 >= 
#>             0.5 & residenceSince >= 1.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             age >= 29.5 ~ 0.00255892845) + case_when(otherPaymentPlans_bank >= 
#>     0.5 & purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00799986068, 
#>     otherPaymentPlans_bank >= 0.5 & (creditAmount < 4574.5 | 
#>         is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00394097157, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         creditAmount >= 4574.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00350763043, job_skilled >= 0.5 & creditAmount >= 
#>         4574.5 & checkingStatus_no.checking >= 0.5 ~ -0.00449528638, 
#>     employment_X..7 >= 0.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00370165403, propertyMagnitude_real.estate >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00836957991, 
#>     (age < 24.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (creditAmount < 4574.5 | 
#>         is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00341923884, checkingStatus_X..200 >= 0.5 & 
#>         (duration < 20.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000773715263, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00924800709, creditHistory_existing.paid >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00190095417, (duration < 11 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & purpose_new.car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.000122107958, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         age >= 24.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 4574.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0116378469, job_unskilled.resident >= 0.5 & 
#>         age >= 24.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 4574.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00436474709, (installmentCommitment < 1.5 | 
#>         is.na(installmentCommitment)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (duration < 20.5 | 
#>         is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000822123839, 
#>     age >= 33.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         duration >= 20.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0028461006, 
#>     (age < 32.5 | is.na(age)) & residenceSince >= 3.5 & duration >= 
#>         20.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0073582842, 
#>     age >= 32.5 & residenceSince >= 3.5 & duration >= 20.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00540824886, 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11 & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & purpose_new.car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00963700656, checkingStatus_X0..X.200 >= 0.5 & duration >= 
#>         11 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00111711503, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         installmentCommitment >= 1.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (duration < 20.5 | 
#>         is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0123538198, 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (age < 33.5 | is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         duration >= 20.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00930010341, 
#>     employment_X1..X.4 >= 0.5 & (age < 33.5 | is.na(age)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & duration >= 20.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000986479572, 
#>     (creditAmount < 1000 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & installmentCommitment >= 1.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (duration < 20.5 | 
#>         is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00101296999, 
#>     creditAmount >= 1000 & installmentCommitment >= 3.5 & installmentCommitment >= 
#>         1.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (duration < 20.5 | is.na(duration)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00860904995) + 
#>     case_when(propertyMagnitude_real.estate >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (duration < 
#>         13.5 | is.na(duration)) ~ -0.0111744385, age >= 37.5 & 
#>         propertyMagnitude_life.insurance >= 0.5 & (duration < 
#>         13.5 | is.na(duration)) ~ -0.00640428811, propertyMagnitude_no.known.property >= 
#>         0.5 & (creditAmount < 2593 | is.na(creditAmount)) & duration >= 
#>         13.5 ~ 0.011551071, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (duration < 13.5 | is.na(duration)) ~ -0.0104203969, 
#>         (age < 28 | is.na(age)) & (age < 37.5 | is.na(age)) & 
#>             propertyMagnitude_life.insurance >= 0.5 & (duration < 
#>             13.5 | is.na(duration)) ~ 0.00108231395, age >= 28 & 
#>             (age < 37.5 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>             0.5 & (duration < 13.5 | is.na(duration)) ~ -0.000759039482, 
#>         purpose_used.car >= 0.5 & (age < 31.5 | is.na(age)) & 
#>             creditAmount >= 2593 & duration >= 13.5 ~ -0.00989860017, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             age >= 31.5 & creditAmount >= 2593 & duration >= 
#>             13.5 ~ -0.0115953488, (creditAmount < 1435.5 | is.na(creditAmount)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 13.5 | is.na(duration)) ~ 0.00333973859, 
#>         creditAmount >= 1435.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (duration < 13.5 | is.na(duration)) ~ -0.00575424731, 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & age >= 
#>             39.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & (creditAmount < 
#>             2593 | is.na(creditAmount)) & duration >= 13.5 ~ 
#>             0.000616564532, employment_X..7 >= 0.5 & age >= 39.5 & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 2593 | is.na(creditAmount)) & duration >= 
#>             13.5 ~ -0.0091307424, housing_for.free >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & age >= 31.5 & creditAmount >= 2593 & duration >= 
#>             13.5 ~ -0.0102813393, purpose_new.car >= 0.5 & (creditAmount < 
#>             1811.5 | is.na(creditAmount)) & (age < 39.5 | is.na(age)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 2593 | is.na(creditAmount)) & duration >= 
#>             13.5 ~ 0.00429571094, (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & creditAmount >= 1811.5 & 
#>             (age < 39.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 2593 | is.na(creditAmount)) & duration >= 
#>             13.5 ~ 0.0116010439, propertyMagnitude_car >= 0.5 & 
#>             creditAmount >= 1811.5 & (age < 39.5 | is.na(age)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 2593 | is.na(creditAmount)) & duration >= 
#>             13.5 ~ 0.00110780052, (creditAmount < 3936 | is.na(creditAmount)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (age < 31.5 | is.na(age)) & creditAmount >= 2593 & 
#>             duration >= 13.5 ~ -0.00379581423, propertyMagnitude_life.insurance >= 
#>             0.5 & ownTelephone_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (age < 31.5 | is.na(age)) & 
#>             creditAmount >= 2593 & duration >= 13.5 ~ 0.00330479699, 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             savingsStatus_X.100 >= 0.5 & age >= 31.5 & creditAmount >= 
#>             2593 & duration >= 13.5 ~ 0.000382137252, ownTelephone_none >= 
#>             0.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             savingsStatus_X.100 >= 0.5 & age >= 31.5 & creditAmount >= 
#>             2593 & duration >= 13.5 ~ -0.00377567555, (age < 
#>             26.5 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 1811.5 | is.na(creditAmount)) & (age < 
#>             39.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 2593 | is.na(creditAmount)) & duration >= 
#>             13.5 ~ -0.0099911429, age >= 26.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditAmount < 1811.5 | 
#>             is.na(creditAmount)) & (age < 39.5 | is.na(age)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (creditAmount < 2593 | is.na(creditAmount)) & duration >= 
#>             13.5 ~ 0.000925317232, (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>             3936 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (age < 31.5 | is.na(age)) & creditAmount >= 2593 & 
#>             duration >= 13.5 ~ 0.00424116617, personalStatus_male.single >= 
#>             0.5 & creditAmount >= 3936 & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (age < 31.5 | is.na(age)) & 
#>             creditAmount >= 2593 & duration >= 13.5 ~ 0.0114465114, 
#>         (duration < 28.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_none >= 0.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 31.5 | is.na(age)) & 
#>             creditAmount >= 2593 & duration >= 13.5 ~ -0.00979514699, 
#>         duration >= 28.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_none >= 0.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 31.5 | is.na(age)) & 
#>             creditAmount >= 2593 & duration >= 13.5 ~ -0.00333682192) + 
#>     case_when(savingsStatus_X100..X.500 >= 0.5 & (duration < 
#>         15.5 | is.na(duration)) ~ 0.00521417195, (duration < 
#>         8.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.0116154356, duration >= 
#>         43.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 15.5 ~ 0.010014819, (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & savingsStatus_no.known.savings >= 
#>         0.5 & duration >= 15.5 ~ -0.00872412231, purpose_new.car >= 
#>         0.5 & savingsStatus_no.known.savings >= 0.5 & duration >= 
#>         15.5 ~ -0.0030478111, purpose_used.car >= 0.5 & (duration < 
#>         43.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         15.5 ~ -0.00918852445, (duration < 9.5 | is.na(duration)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         8.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.000521205133, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             purpose_new.car >= 0.5 & duration >= 8.5 & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>             15.5 | is.na(duration)) ~ 0.00156966446, installmentCommitment >= 
#>             3.5 & purpose_new.car >= 0.5 & duration >= 8.5 & 
#>             (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.00380919385, 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             duration >= 9.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 8.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>             is.na(savingsStatus_X100..X.500)) & (duration < 15.5 | 
#>             is.na(duration)) ~ -0.0104717454, (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & age >= 42.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (duration < 43.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>             15.5 ~ -0.000493596424, installmentCommitment >= 
#>             3.5 & age >= 42.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (duration < 43.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>             15.5 ~ -0.0067920452, (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & checkingStatus_X.0 >= 
#>             0.5 & duration >= 9.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & duration >= 8.5 & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>             15.5 | is.na(duration)) ~ 0.000915874378, purpose_furniture.equipment >= 
#>             0.5 & checkingStatus_X.0 >= 0.5 & duration >= 9.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 8.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>             is.na(savingsStatus_X100..X.500)) & (duration < 15.5 | 
#>             is.na(duration)) ~ -0.00760680484, (residenceSince < 
#>             1.5 | is.na(residenceSince)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 42.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (duration < 43.5 | is.na(duration)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             duration >= 15.5 ~ -0.000401130616, (creditAmount < 
#>             3253 | is.na(creditAmount)) & propertyMagnitude_life.insurance >= 
#>             0.5 & (age < 42.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (duration < 43.5 | 
#>             is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>             15.5 ~ 0.000660743099, creditAmount >= 3253 & propertyMagnitude_life.insurance >= 
#>             0.5 & (age < 42.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (duration < 43.5 | 
#>             is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>             15.5 ~ -0.00646358402, (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & residenceSince >= 
#>             1.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 42.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (duration < 43.5 | is.na(duration)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             duration >= 15.5 ~ 0.010296396, otherPaymentPlans_none >= 
#>             0.5 & residenceSince >= 1.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 42.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (duration < 43.5 | is.na(duration)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             duration >= 15.5 ~ 0.00324327452) + case_when((installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & checkingStatus_no.checking >= 
#>     0.5 & (duration < 15.5 | is.na(duration)) ~ -0.0114705535, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00563876424, (creditAmount < 
#>         1447 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00886758883, 
#>     creditAmount >= 1447 & propertyMagnitude_real.estate >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00331482454, 
#>     (creditAmount < 1304.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & checkingStatus_no.checking >= 0.5 & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00889119878, creditAmount >= 
#>         1304.5 & installmentCommitment >= 3.5 & checkingStatus_no.checking >= 
#>         0.5 & (duration < 15.5 | is.na(duration)) ~ -0.00182771124, 
#>     employment_X.1 >= 0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 15.5 ~ 0.00136849307, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & employment_X1..X.4 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 15.5 ~ -0.00699565699, ownTelephone_none >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 15.5 ~ 
#>         0.00947493128, purpose_used.car >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 15.5 ~ -0.00439774524, (creditAmount < 
#>         2311 | is.na(creditAmount)) & purpose_radio.tv >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 0.00013518885, 
#>     creditAmount >= 2311 & purpose_radio.tv >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & duration >= 15.5 ~ -0.00717400061, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.000397041498, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 15.5 ~ 
#>         -0.00333009404, job_skilled >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 15.5 ~ 
#>         -0.0121645043, employment_X..7 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 15.5 ~ -0.000167196296, (duration < 
#>         9.5 | is.na(duration)) & installmentCommitment >= 2.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.00991653744, 
#>     duration >= 9.5 & installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.00226688129, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (duration < 
#>         25.5 | is.na(duration)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ -0.00257142656, 
#>     (duration < 39 | is.na(duration)) & duration >= 25.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 0.5 & 
#>         duration >= 15.5 ~ 0.0138850408, duration >= 39 & duration >= 
#>         25.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 15.5 ~ 0.00162033073, 
#>     (duration < 19 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 0.5 & 
#>         duration >= 15.5 ~ 0.01246526, duration >= 19 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 0.5 & 
#>         duration >= 15.5 ~ 0.0017351649) + case_when(creditAmount >= 
#>     6944 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     0.0021180606, otherParties_guarantor >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00851965975, creditAmount >= 7361.5 & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ 0.00119530631, 
#>     (creditAmount < 905 | is.na(creditAmount)) & (creditAmount < 
#>         6944 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00346832001, checkingStatus_X..200 >= 0.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00653714128, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 7361.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0108568938, (age < 26.5 | is.na(age)) & creditAmount >= 
#>         905 & (creditAmount < 6944 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00197707652, creditHistory_delayed.previously >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00590583961, (age < 26.5 | is.na(age)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 7361.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00192311406, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         age >= 26.5 & creditAmount >= 905 & (creditAmount < 6944 | 
#>         is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00397348311, installmentCommitment >= 1.5 & 
#>         age >= 26.5 & creditAmount >= 905 & (creditAmount < 6944 | 
#>         is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.012294082, propertyMagnitude_car >= 0.5 & age >= 
#>         26.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         7361.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00951940008, (duration < 11.5 | is.na(duration)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0042915903, (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         purpose_new.car >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0114625785, employment_X4..X.7 >= 0.5 & purpose_new.car >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00446500676, (age < 36.5 | is.na(age)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & age >= 26.5 & installmentCommitment >= 
#>         2.5 & (creditAmount < 7361.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00896935537, age >= 36.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & age >= 26.5 & installmentCommitment >= 
#>         2.5 & (creditAmount < 7361.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00397445355, (creditAmount < 2980 | is.na(creditAmount)) & 
#>         duration >= 11.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000822399743, creditAmount >= 2980 & duration >= 11.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00783116277) + case_when(propertyMagnitude_real.estate >= 
#>     0.5 & (duration < 15.5 | is.na(duration)) ~ -0.0107560642, 
#>     creditAmount >= 3727.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ 0.00515813474, employment_X4..X.7 >= 
#>         0.5 & housing_rent >= 0.5 & duration >= 15.5 ~ -0.00353623857, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 28.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 15.5 ~ -0.00586942723, otherPaymentPlans_stores >= 
#>         0.5 & age >= 28.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 15.5 ~ 0.00609904295, (creditAmount < 2309.5 | 
#>         is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         housing_rent >= 0.5 & duration >= 15.5 ~ 0.000977636781, 
#>     creditAmount >= 2309.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         housing_rent >= 0.5 & duration >= 15.5 ~ 0.0117336363, 
#>     checkingStatus_X0..X.200 >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditAmount < 3727.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.00402600318, 
#>     (creditAmount < 1382.5 | is.na(creditAmount)) & purpose_new.car >= 
#>         0.5 & (creditAmount < 3727.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.00476591149, 
#>     creditAmount >= 1382.5 & purpose_new.car >= 0.5 & (creditAmount < 
#>         3727.5 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00358740124, (creditAmount < 
#>         2092 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 28.5 | is.na(age)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & duration >= 15.5 ~ 0.000615148921, 
#>     creditAmount >= 2092 & savingsStatus_X.100 >= 0.5 & (age < 
#>         28.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 15.5 ~ 0.0112355389, (housing_own < 0.5 | 
#>         is.na(housing_own)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditAmount < 3727.5 | 
#>         is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00456526969, housing_own >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         3727.5 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.0120075308, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & propertyMagnitude_car >= 
#>         0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         age >= 28.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 15.5 ~ -0.00864249468, personalStatus_female.div.dep.mar >= 
#>         0.5 & propertyMagnitude_car >= 0.5 & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 28.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         15.5 ~ -0.000873788784, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (duration < 22.5 | is.na(duration)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 28.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         15.5 ~ 0.00904218201, job_skilled >= 0.5 & (duration < 
#>         22.5 | is.na(duration)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 28.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         15.5 ~ -0.00203490187, purpose_used.car >= 0.5 & duration >= 
#>         22.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         age >= 28.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 15.5 ~ -0.0112035992, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 22.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 28.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         15.5 ~ 0.000442583696, checkingStatus_no.checking >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 22.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         age >= 28.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 15.5 ~ -0.00753871305) + case_when(purpose_education >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>     0.00476164045, ownTelephone_none >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & propertyMagnitude_no.known.property >= 
#>     0.5 ~ 0.00915621407, (age < 36.5 | is.na(age)) & checkingStatus_no.checking >= 
#>     0.5 & propertyMagnitude_no.known.property >= 0.5 ~ -0.00630145287, 
#>     age >= 36.5 & checkingStatus_no.checking >= 0.5 & propertyMagnitude_no.known.property >= 
#>         0.5 ~ -0.00136033085, creditAmount >= 2286 & (age < 34.5 | 
#>         is.na(age)) & purpose_new.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.0119792782, 
#>     employment_X1..X.4 >= 0.5 & age >= 34.5 & purpose_new.car >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00839085318, creditAmount >= 7723.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & propertyMagnitude_no.known.property >= 
#>         0.5 ~ 0.00797430612, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         6750 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.0041475133, 
#>     personalStatus_female.div.dep.mar >= 0.5 & creditAmount >= 
#>         6750 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00688258698, 
#>     (age < 27.5 | is.na(age)) & (creditAmount < 2286 | is.na(creditAmount)) & 
#>         (age < 34.5 | is.na(age)) & purpose_new.car >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00477724988, age >= 27.5 & (creditAmount < 2286 | is.na(creditAmount)) & 
#>         (age < 34.5 | is.na(age)) & purpose_new.car >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -6.83090911e-05, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         age >= 34.5 & purpose_new.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00212491443, 
#>     job_skilled >= 0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         age >= 34.5 & purpose_new.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00311003625, 
#>     (duration < 21 | is.na(duration)) & (creditAmount < 7723.5 | 
#>         is.na(creditAmount)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         propertyMagnitude_no.known.property >= 0.5 ~ 0.00177108299, 
#>     duration >= 21 & (creditAmount < 7723.5 | is.na(creditAmount)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         propertyMagnitude_no.known.property >= 0.5 ~ -0.00567955663, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & duration >= 
#>         31.5 & (creditAmount < 6750 | is.na(creditAmount)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00346689485, 
#>     existingCredits >= 1.5 & duration >= 31.5 & (creditAmount < 
#>         6750 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00283253635, 
#>     checkingStatus_no.checking >= 0.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (duration < 
#>         31.5 | is.na(duration)) & (creditAmount < 6750 | is.na(creditAmount)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.0106912348, 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         personalStatus_male.mar.wid >= 0.5 & (duration < 31.5 | 
#>         is.na(duration)) & (creditAmount < 6750 | is.na(creditAmount)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00166852854, 
#>     job_unskilled.resident >= 0.5 & personalStatus_male.mar.wid >= 
#>         0.5 & (duration < 31.5 | is.na(duration)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00612177001, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditAmount < 
#>         6750 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00881296955, 
#>     purpose_furniture.equipment >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (duration < 
#>         31.5 | is.na(duration)) & (creditAmount < 6750 | is.na(creditAmount)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00189926161) + 
#>     case_when((otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00497185113, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00132775435, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         otherPaymentPlans_bank >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00109371997, purpose_new.car >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.0038991787, numDependents >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00506123342, job_unskilled.resident >= 0.5 & otherParties_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000810803962, personalStatus_male.single >= 0.5 & otherParties_none >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.0102026593, (duration < 16.5 | is.na(duration)) & 
#>         employment_X.1 >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00419333996, duration >= 16.5 & employment_X.1 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00765070738, purpose_business >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00757311145, duration >= 33 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & otherParties_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0116488421, (duration < 22.5 | is.na(duration)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & otherParties_none >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.0101256222, duration >= 22.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & otherParties_none >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00355501589, savingsStatus_no.known.savings >= 0.5 & 
#>         (duration < 19 | is.na(duration)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00585819408, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 19 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.010472388, otherPaymentPlans_bank >= 0.5 & duration >= 
#>         19 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00419991324, (duration < 11 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         19 | is.na(duration)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00916335266, duration >= 11 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         19 | is.na(duration)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00326201576, (duration < 16.5 | is.na(duration)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & savingsStatus_X.100 >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0036798208, duration >= 16.5 & (housing_own < 0.5 | 
#>         is.na(housing_own)) & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00522658881, (creditAmount < 1325 | is.na(creditAmount)) & 
#>         housing_own >= 0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00988773257, (duration < 22.5 | is.na(duration)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (duration < 33 | is.na(duration)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & otherParties_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00504673785, duration >= 22.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (duration < 33 | 
#>         is.na(duration)) & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00288193766, (creditAmount < 2525.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & (duration < 33 | is.na(duration)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0110229086, creditAmount >= 2525.5 & savingsStatus_X.100 >= 
#>         0.5 & (duration < 33 | is.na(duration)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & otherParties_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000458822469, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 1325 & housing_own >= 0.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & savingsStatus_X.100 >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00633968413, installmentCommitment >= 3.5 & creditAmount >= 
#>         1325 & housing_own >= 0.5 & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00415005209) + case_when(creditAmount >= 4280 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     15.5 | is.na(duration)) ~ 0.00528401043, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & propertyMagnitude_real.estate >= 
#>     0.5 & (duration < 15.5 | is.na(duration)) ~ -5.94849917e-05, 
#>     checkingStatus_no.checking >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 15.5 ~ -0.00952497777, (creditAmount < 
#>         836.5 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         propertyMagnitude_real.estate >= 0.5 & (duration < 15.5 | 
#>         is.na(duration)) ~ -0.00272429292, housing_rent >= 0.5 & 
#>         personalStatus_male.single >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.00753126061, propertyMagnitude_car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         duration >= 15.5 ~ 0.00483038044, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditAmount < 1373 | 
#>         is.na(creditAmount)) & (creditAmount < 4280 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00539487693, 
#>     purpose_new.car >= 0.5 & creditAmount >= 1373 & (creditAmount < 
#>         4280 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.0110502765, (creditAmount < 
#>         2171 | is.na(creditAmount)) & creditAmount >= 836.5 & 
#>         residenceSince >= 1.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (duration < 15.5 | is.na(duration)) ~ -0.0118463887, 
#>     creditAmount >= 2171 & creditAmount >= 836.5 & residenceSince >= 
#>         1.5 & propertyMagnitude_real.estate >= 0.5 & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00410821103, purpose_radio.tv >= 
#>         0.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.00235455134, creditAmount >= 3520 & 
#>         residenceSince >= 3.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ -0.00554727949, (creditAmount < 2725 | 
#>         is.na(creditAmount)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 15.5 ~ -0.00199956819, creditAmount >= 
#>         2725 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         duration >= 15.5 ~ -0.00699285185, age >= 36.5 & ownTelephone_none >= 
#>         0.5 & (creditAmount < 1373 | is.na(creditAmount)) & (creditAmount < 
#>         4280 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00420182478, (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & creditAmount >= 1373 & (creditAmount < 
#>         4280 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00731820427, employment_X..7 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditAmount >= 1373 & (creditAmount < 4280 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 15.5 | is.na(duration)) ~ 0.00295399572, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.00245662429, installmentCommitment >= 
#>         2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.0146447346, (age < 27.5 | is.na(age)) & 
#>         (creditAmount < 3520 | is.na(creditAmount)) & residenceSince >= 
#>         3.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.00992628746, age >= 27.5 & (creditAmount < 
#>         3520 | is.na(creditAmount)) & residenceSince >= 3.5 & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ -0.00162788085, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & personalStatus_male.single >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.000484961376, existingCredits >= 
#>         1.5 & checkingStatus_X.0 >= 0.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & personalStatus_male.single >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.00801573135, (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & (age < 36.5 | is.na(age)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 1373 | is.na(creditAmount)) & 
#>         (creditAmount < 4280 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.00122087495, residenceSince >= 
#>         2.5 & (age < 36.5 | is.na(age)) & ownTelephone_none >= 
#>         0.5 & (creditAmount < 1373 | is.na(creditAmount)) & (creditAmount < 
#>         4280 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         15.5 | is.na(duration)) ~ 0.0112826871, duration >= 42 & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & personalStatus_male.single >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.000626460591, (duration < 27.5 | 
#>         is.na(duration)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         checkingStatus_X.0 >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         personalStatus_male.single >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ -0.00387318712, duration >= 27.5 & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & checkingStatus_X.0 >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & personalStatus_male.single >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ 0.00566694839, (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & (duration < 42 | is.na(duration)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & personalStatus_male.single >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ -0.00981790852, residenceSince >= 
#>         2.5 & (duration < 42 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & personalStatus_male.single >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 15.5 ~ -0.00372222345) + case_when((duration < 
#>     11.5 | is.na(duration)) & purpose_new.car >= 0.5 ~ -0.00801186636, 
#>     housing_own >= 0.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.00665387977, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         duration >= 11.5 & purpose_new.car >= 0.5 ~ 0.0116843078, 
#>     numDependents >= 1.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00370751368, (creditAmount < 
#>         1522 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & duration >= 11.5 & purpose_new.car >= 0.5 ~ 0.00657552294, 
#>     (duration < 22.5 | is.na(duration)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.000933856703, duration >= 
#>         22.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00819142535, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00889681466, creditHistory_existing.paid >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00157098705, employment_unemployed >= 
#>         0.5 & (creditAmount < 2993.5 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00582569931, (duration < 
#>         22.5 | is.na(duration)) & creditAmount >= 2993.5 & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00922219269, 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00845059752, employment_X..7 >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.000405244733, (duration < 14.5 | is.na(duration)) & 
#>         creditAmount >= 1522 & otherPaymentPlans_none >= 0.5 & 
#>         duration >= 11.5 & purpose_new.car >= 0.5 ~ -0.00732744066, 
#>     (creditAmount < 692.5 | is.na(creditAmount)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>         2993.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00380733935, 
#>     propertyMagnitude_life.insurance >= 0.5 & duration >= 22.5 & 
#>         creditAmount >= 2993.5 & otherPaymentPlans_none >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00786923803, 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & duration >= 
#>         14.5 & creditAmount >= 1522 & otherPaymentPlans_none >= 
#>         0.5 & duration >= 11.5 & purpose_new.car >= 0.5 ~ 0.0046845139, 
#>     ownTelephone_yes >= 0.5 & duration >= 14.5 & creditAmount >= 
#>         1522 & otherPaymentPlans_none >= 0.5 & duration >= 11.5 & 
#>         purpose_new.car >= 0.5 ~ -0.00211566733, employment_X.1 >= 
#>         0.5 & creditAmount >= 692.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>         2993.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.0043124659, 
#>     (age < 29 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & duration >= 
#>         22.5 & creditAmount >= 2993.5 & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00979936775, 
#>     (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & creditAmount >= 
#>         692.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (creditAmount < 2993.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.0116885072, 
#>     personalStatus_male.mar.wid >= 0.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & creditAmount >= 692.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>         2993.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00441987673, 
#>     (creditAmount < 4463.5 | is.na(creditAmount)) & age >= 29 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         duration >= 22.5 & creditAmount >= 2993.5 & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.000696144067, 
#>     creditAmount >= 4463.5 & age >= 29 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & duration >= 
#>         22.5 & creditAmount >= 2993.5 & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00145875895) + 
#>     case_when((savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditHistory_all.paid >= 0.5 ~ -0.000807258242, savingsStatus_X.100 >= 
#>         0.5 & creditHistory_all.paid >= 0.5 ~ 0.0126695605, personalStatus_male.mar.wid >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>         -0.000486214529, (age < 27.5 | is.na(age)) & (creditAmount < 
#>         4525 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) ~ -0.0117162736, 
#>         (duration < 28.5 | is.na(duration)) & creditAmount >= 
#>             4525 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00323757809, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & creditAmount >= 
#>             3730 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.011747011, 
#>         job_unskilled.resident >= 0.5 & (creditAmount < 2595.5 | 
#>             is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00343326619, 
#>         (duration < 33 | is.na(duration)) & creditAmount >= 2595.5 & 
#>             checkingStatus_no.checking >= 0.5 & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.0108635221, duration >= 33 & creditAmount >= 2595.5 & 
#>             checkingStatus_no.checking >= 0.5 & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00192290288, (creditAmount < 2630 | is.na(creditAmount)) & 
#>             age >= 27.5 & (creditAmount < 4525 | is.na(creditAmount)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00826639216, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             duration >= 28.5 & creditAmount >= 4525 & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0118962061, 
#>         savingsStatus_X.100 >= 0.5 & duration >= 28.5 & creditAmount >= 
#>             4525 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00174596114, creditAmount >= 2524 & duration >= 
#>             22.5 & (creditAmount < 3730 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0017623516, 
#>         (creditAmount < 4473 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 & creditAmount >= 3730 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00710029388, creditAmount >= 4473 & personalStatus_male.single >= 
#>             0.5 & creditAmount >= 3730 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00133044319, (creditAmount < 1525 | is.na(creditAmount)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (creditAmount < 2595.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0104385912, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & creditAmount >= 
#>             2630 & age >= 27.5 & (creditAmount < 4525 | is.na(creditAmount)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00388627499, residenceSince >= 2.5 & creditAmount >= 
#>             2630 & age >= 27.5 & (creditAmount < 4525 | is.na(creditAmount)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00230352697, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (duration < 
#>             22.5 | is.na(duration)) & (creditAmount < 3730 | 
#>             is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.000816622633, residenceSince >= 2.5 & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & (duration < 22.5 | is.na(duration)) & 
#>             (creditAmount < 3730 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00920285936, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             job_skilled >= 0.5 & (duration < 22.5 | is.na(duration)) & 
#>             (creditAmount < 3730 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00861629192, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditAmount < 2524 | is.na(creditAmount)) & duration >= 
#>             22.5 & (creditAmount < 3730 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00362812006, 
#>         purpose_new.car >= 0.5 & (creditAmount < 2524 | is.na(creditAmount)) & 
#>             duration >= 22.5 & (creditAmount < 3730 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.0115814181, 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & creditAmount >= 
#>             1525 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (creditAmount < 2595.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00549711799, 
#>         residenceSince >= 3.5 & creditAmount >= 1525 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (creditAmount < 
#>             2595.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00197812985, 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             residenceSince >= 1.5 & job_skilled >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & (creditAmount < 3730 | 
#>             is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00440476788, checkingStatus_X0..X.200 >= 0.5 & 
#>             residenceSince >= 1.5 & job_skilled >= 0.5 & (duration < 
#>             22.5 | is.na(duration)) & (creditAmount < 3730 | 
#>             is.na(creditAmount)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.000316537626) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (creditAmount < 7480.5 | is.na(creditAmount)) ~ 0.0100815352, 
#>     duration >= 37.5 & creditAmount >= 7480.5 ~ -0.00131763145, 
#>     purpose_used.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) ~ -0.0111671882, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (duration < 37.5 | is.na(duration)) & 
#>         creditAmount >= 7480.5 ~ 0.0104905469, job_skilled >= 
#>         0.5 & (duration < 37.5 | is.na(duration)) & creditAmount >= 
#>         7480.5 ~ 0.0027469194, duration >= 38 & housing_own >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) ~ 0.00728481775, 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (housing_own < 0.5 | 
#>         is.na(housing_own)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) ~ -0.00809536316, 
#>     purpose_new.car >= 0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) ~ 7.23737248e-05, creditAmount >= 
#>         2814.5 & ownTelephone_none >= 0.5 & (housing_own < 0.5 | 
#>         is.na(housing_own)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) ~ -0.00406407006, 
#>     creditAmount >= 4574.5 & (duration < 38 | is.na(duration)) & 
#>         housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) ~ 0.000357572368, 
#>     job_unskilled.resident >= 0.5 & (creditAmount < 2814.5 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 & (housing_own < 
#>         0.5 | is.na(housing_own)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) ~ -0.000820082205, (age < 
#>         23.5 | is.na(age)) & (creditAmount < 4574.5 | is.na(creditAmount)) & 
#>         (duration < 38 | is.na(duration)) & housing_own >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) ~ 0.00111162651, 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 2814.5 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) ~ 0.012964664, employment_X1..X.4 >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 2814.5 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) ~ 0.00568444794, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & age >= 23.5 & (creditAmount < 
#>         4574.5 | is.na(creditAmount)) & (duration < 38 | is.na(duration)) & 
#>         housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) ~ -0.00973841362, 
#>     installmentCommitment >= 2.5 & age >= 23.5 & (creditAmount < 
#>         4574.5 | is.na(creditAmount)) & (duration < 38 | is.na(duration)) & 
#>         housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) ~ -0.00464508682) + 
#>     case_when(job_high.qualif.self.emp.mgmt >= 0.5 & (duration < 
#>         17 | is.na(duration)) ~ 0.00199652812, propertyMagnitude_real.estate >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (duration < 17 | is.na(duration)) ~ -0.0109542347, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & employment_X4..X.7 >= 
#>         0.5 & duration >= 17 ~ 0.000749483181, purpose_education >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (duration < 17 | is.na(duration)) ~ 0.00231077778, otherPaymentPlans_bank >= 
#>         0.5 & housing_own >= 0.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & duration >= 17 ~ 0.00719510112, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & otherPaymentPlans_none >= 
#>             0.5 & employment_X4..X.7 >= 0.5 & duration >= 17 ~ 
#>             -0.0115845837, (duration < 11.5 | is.na(duration)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.00865851995, 
#>         creditAmount >= 3917 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & duration >= 17 ~ 
#>             0.014639928, (creditAmount < 5181.5 | is.na(creditAmount)) & 
#>             housing_for.free >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ 0.00266832532, creditAmount >= 5181.5 & 
#>             housing_for.free >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ -0.00275288103, (duration < 27 | 
#>             is.na(duration)) & residenceSince >= 2.5 & otherPaymentPlans_none >= 
#>             0.5 & employment_X4..X.7 >= 0.5 & duration >= 17 ~ 
#>             -0.00277703581, duration >= 27 & residenceSince >= 
#>             2.5 & otherPaymentPlans_none >= 0.5 & employment_X4..X.7 >= 
#>             0.5 & duration >= 17 ~ -0.0072545656, checkingStatus_no.checking >= 
#>             0.5 & duration >= 11.5 & (purpose_education < 0.5 | 
#>             is.na(purpose_education)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (duration < 
#>             17 | is.na(duration)) ~ -0.00807611737, (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (creditAmount < 
#>             3917 | is.na(creditAmount)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (housing_own < 0.5 | 
#>             is.na(housing_own)) & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) & duration >= 17 ~ 0.000640201848, 
#>         ownTelephone_none >= 0.5 & (creditAmount < 3917 | is.na(creditAmount)) & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & duration >= 17 ~ 
#>             0.00704602245, purpose_radio.tv >= 0.5 & (creditAmount < 
#>             2367 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & housing_own >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ -0.00417540222, purpose_new.car >= 
#>             0.5 & creditAmount >= 2367 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & housing_own >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ 0.00194291875, (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>             11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (duration < 17 | is.na(duration)) ~ 0.00708150025, 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditAmount < 2367 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & housing_own >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ 0.0106596574, creditHistory_critical.other.existing.credit >= 
#>             0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditAmount < 2367 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & housing_own >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ -0.00131934101, (age < 26.5 | is.na(age)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             creditAmount >= 2367 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & housing_own >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ 0.00301697641, (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.0034136544, 
#>         purpose_new.car >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (duration < 17 | is.na(duration)) ~ 0.0025597536, 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             age >= 26.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             creditAmount >= 2367 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & housing_own >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ -0.0109100807, checkingStatus_X.0 >= 
#>             0.5 & age >= 26.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             creditAmount >= 2367 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & housing_own >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 17 ~ -0.00201552873) + case_when(otherPaymentPlans_bank >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     0.00222682301, age >= 32.5 & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.0115724979, (duration < 33 | is.na(duration)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00839534588, duration >= 33 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.000942281331, (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00776669616, savingsStatus_X100..X.500 >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00969634484, (age < 24.5 | is.na(age)) & (duration < 16.5 | 
#>     is.na(duration)) & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0095484918, duration >= 43.5 & duration >= 16.5 & savingsStatus_X.100 >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ 0.0102161253, 
#>     duration >= 25.5 & (age < 32.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00139380223, employment_X..7 >= 0.5 & age >= 
#>         24.5 & (duration < 16.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00494488329, purpose_used.car >= 0.5 & (duration < 
#>         43.5 | is.na(duration)) & duration >= 16.5 & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00868663471, (age < 25.5 | is.na(age)) & (duration < 
#>         25.5 | is.na(duration)) & (age < 32.5 | is.na(age)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.0101701468, age >= 25.5 & (duration < 25.5 | is.na(duration)) & 
#>         (age < 32.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00352856051, purpose_new.car >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 24.5 & (duration < 
#>         16.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00305724284, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 24.5 & (duration < 
#>         16.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00616022199, purpose_furniture.equipment >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 24.5 & (duration < 
#>         16.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00212578056, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditAmount < 2221 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (duration < 43.5 | is.na(duration)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0124202557, personalStatus_male.single >= 0.5 & (creditAmount < 
#>         2221 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (duration < 43.5 | is.na(duration)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00028467254, checkingStatus_X0..X.200 >= 0.5 & creditAmount >= 
#>         2221 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (duration < 43.5 | is.na(duration)) & duration >= 16.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00580674084, (duration < 19.5 | is.na(duration)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         creditAmount >= 2221 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (duration < 43.5 | is.na(duration)) & duration >= 16.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000927907822, duration >= 19.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>         2221 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (duration < 43.5 | is.na(duration)) & duration >= 16.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00603722082) + case_when((creditAmount < 1287.5 | is.na(creditAmount)) & 
#>     savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.00800493918, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00871311501, ownTelephone_none >= 0.5 & (housing_own < 
#>     0.5 | is.na(housing_own)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.000885063608, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & housing_own >= 0.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>     is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00440310175, employment_X1..X.4 >= 
#>     0.5 & creditAmount >= 1287.5 & savingsStatus_X100..X.500 >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     0.00724883424, (creditAmount < 683.5 | is.na(creditAmount)) & 
#>     (creditAmount < 803 | is.na(creditAmount)) & (duration < 
#>     16.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 ~ -0.010686676, 
#>     creditAmount >= 683.5 & (creditAmount < 803 | is.na(creditAmount)) & 
#>         (duration < 16.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.0131812561, duration >= 33 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 
#>         0.00472574681, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>         is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.0116568767, checkingStatus_X.0 >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>         is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00456318352, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & creditAmount >= 1287.5 & 
#>         savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00154414412, residenceSince >= 
#>         2.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 1287.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.0110891974, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (duration < 10.5 | is.na(duration)) & creditAmount >= 
#>         803 & (duration < 16.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.0044154278, job_skilled >= 0.5 & (duration < 
#>         10.5 | is.na(duration)) & creditAmount >= 803 & (duration < 
#>         16.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.00446095644, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 10.5 & creditAmount >= 803 & (duration < 
#>         16.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.0110218655, checkingStatus_X.0 >= 0.5 & duration >= 
#>         10.5 & creditAmount >= 803 & (duration < 16.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00529351644, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 0.0118556153, 
#>     creditAmount >= 8373.5 & creditHistory_existing.paid >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 0.00883940514, 
#>     (creditAmount < 2181 | is.na(creditAmount)) & (duration < 
#>         33 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 
#>         0.00183735369, creditAmount >= 2181 & (duration < 33 | 
#>         is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.0108345347, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         ownTelephone_none >= 0.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ -0.000539092987, 
#>     personalStatus_male.single >= 0.5 & ownTelephone_none >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 0.00806102064, 
#>     employment_X4..X.7 >= 0.5 & (creditAmount < 8373.5 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ -0.00621184148, 
#>     (age < 25.5 | is.na(age)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 8373.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 0.00776239485, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         age >= 25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 8373.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ -0.00861422066, 
#>     installmentCommitment >= 2.5 & age >= 25.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 8373.5 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 ~ 0.00184399076) + 
#>     case_when(savingsStatus_X..1000 >= 0.5 & (creditAmount < 
#>         4276.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.0086252261, 
#>         (creditAmount < 6145.5 | is.na(creditAmount)) & creditAmount >= 
#>             4276.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             0.0134324003, (duration < 37.5 | is.na(duration)) & 
#>             creditAmount >= 8229 & personalStatus_male.single >= 
#>             0.5 ~ 0.00958198868, duration >= 37.5 & creditAmount >= 
#>             8229 & personalStatus_male.single >= 0.5 ~ -0.00430254126, 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             creditAmount >= 6145.5 & creditAmount >= 4276.5 & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             -0.00275852205, job_high.qualif.self.emp.mgmt >= 
#>             0.5 & creditAmount >= 6145.5 & creditAmount >= 4276.5 & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             0.00977106486, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ -0.00961783715, purpose_new.car >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (creditAmount < 8229 | is.na(creditAmount)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00338135008, 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (creditAmount < 1219 | is.na(creditAmount)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>             4276.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00418598112, 
#>         personalStatus_female.div.dep.mar >= 0.5 & (creditAmount < 
#>             1219 | is.na(creditAmount)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>             4276.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.0082376888, 
#>         purpose_new.car >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ 0.00661032647, (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             creditAmount >= 1219 & (savingsStatus_X..1000 < 0.5 | 
#>             is.na(savingsStatus_X..1000)) & (creditAmount < 4276.5 | 
#>             is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -8.99810257e-05, 
#>         checkingStatus_X0..X.200 >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             creditAmount >= 1219 & (savingsStatus_X..1000 < 0.5 | 
#>             is.na(savingsStatus_X..1000)) & (creditAmount < 4276.5 | 
#>             is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.00583452731, 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ -0.0041264547, otherPaymentPlans_none >= 0.5 & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ -0.00942427572, (duration < 19.5 | is.na(duration)) & 
#>             employment_X1..X.4 >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ 0.000460783544, duration >= 19.5 & employment_X1..X.4 >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ -0.00472856779, (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & checkingStatus_X.0 >= 
#>             0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ 0.00487560034, purpose_furniture.equipment >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditAmount < 8229 | is.na(creditAmount)) & personalStatus_male.single >= 
#>             0.5 ~ -0.00456534512, (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & creditAmount >= 1219 & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>             4276.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00292052864, 
#>         (duration < 16.5 | is.na(duration)) & propertyMagnitude_real.estate >= 
#>             0.5 & personalStatus_female.div.dep.mar >= 0.5 & 
#>             creditAmount >= 1219 & (savingsStatus_X..1000 < 0.5 | 
#>             is.na(savingsStatus_X..1000)) & (creditAmount < 4276.5 | 
#>             is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00345729548, 
#>         duration >= 16.5 & propertyMagnitude_real.estate >= 0.5 & 
#>             personalStatus_female.div.dep.mar >= 0.5 & creditAmount >= 
#>             1219 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 4276.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.0125531871, 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & ownTelephone_none >= 
#>             0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & creditAmount >= 
#>             1219 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 4276.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.0122811263, 
#>         housing_rent >= 0.5 & ownTelephone_none >= 0.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & creditAmount >= 1219 & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>             4276.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00439543277) + 
#>     case_when(savingsStatus_X..1000 >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00856317487, checkingStatus_X.0 >= 0.5 & employment_X4..X.7 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00194324052, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00331911189, (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         personalStatus_male.single >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0117361229, employment_X4..X.7 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00397549896, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         employment_X4..X.7 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00284771249, job_skilled >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & employment_X4..X.7 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0114033436, (creditAmount < 1802 | is.na(creditAmount)) & 
#>         job_skilled >= 0.5 & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.009600088, creditAmount >= 1802 & job_skilled >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00190192484, (age < 40.5 | is.na(age)) & purpose_used.car >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00711872103, age >= 40.5 & purpose_used.car >= 0.5 & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00198242045, (age < 27.5 | is.na(age)) & (creditAmount < 
#>         1293.5 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00441131415, propertyMagnitude_life.insurance >= 0.5 & 
#>         creditAmount >= 1293.5 & (duration < 16.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00102108752, housing_rent >= 0.5 & (age < 37.5 | is.na(age)) & 
#>         duration >= 16.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00718608405, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         age >= 37.5 & duration >= 16.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0118735628, creditHistory_existing.paid >= 0.5 & age >= 
#>         37.5 & duration >= 16.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00578700844, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         age >= 27.5 & (creditAmount < 1293.5 | is.na(creditAmount)) & 
#>         (duration < 16.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000322368025, job_unskilled.resident >= 0.5 & age >= 
#>         27.5 & (creditAmount < 1293.5 | is.na(creditAmount)) & 
#>         (duration < 16.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0104652578, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditAmount >= 1293.5 & (duration < 16.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0074535762, checkingStatus_X.0 >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1293.5 & (duration < 16.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00282346806, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (age < 37.5 | 
#>         is.na(age)) & duration >= 16.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00174009847, checkingStatus_X0..X.200 >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (age < 37.5 | is.na(age)) & 
#>         duration >= 16.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0043814932) + case_when((residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.00722927507, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (duration < 16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.0114137083, purpose_furniture.equipment >= 0.5 & 
#>     (duration < 16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>     0.5 ~ -0.0029201, otherParties_guarantor >= 0.5 & installmentCommitment >= 
#>     2.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.0079456633, 
#>     (age < 29.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & duration >= 
#>         16.5 & checkingStatus_no.checking >= 0.5 ~ 0.00931290351, 
#>     age >= 29.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         duration >= 16.5 & checkingStatus_no.checking >= 0.5 ~ 
#>         -0.00505728181, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         personalStatus_male.single >= 0.5 & duration >= 16.5 & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00228302041, otherPaymentPlans_none >= 
#>         0.5 & personalStatus_male.single >= 0.5 & duration >= 
#>         16.5 & checkingStatus_no.checking >= 0.5 ~ -0.00920286216, 
#>     (creditAmount < 1293.5 | is.na(creditAmount)) & (creditAmount < 
#>         6732.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & residenceSince >= 
#>         1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00156439759, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 6732.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00418661023, installmentCommitment >= 1.5 & creditAmount >= 
#>         6732.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000719911361, 
#>     purpose_used.car >= 0.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00330675067, 
#>     purpose_furniture.equipment >= 0.5 & creditAmount >= 1293.5 & 
#>         (creditAmount < 6732.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & residenceSince >= 
#>         1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00022895931, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         creditAmount >= 1293.5 & (creditAmount < 6732.5 | is.na(creditAmount)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0122310864, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1293.5 & (creditAmount < 6732.5 | is.na(creditAmount)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00491476385, 
#>     age >= 40.5 & propertyMagnitude_life.insurance >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00446224399, 
#>     (creditAmount < 2322 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0062362235, 
#>     creditAmount >= 2322 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         installmentCommitment >= 2.5 & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00590693206, (duration < 27.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00654302165, 
#>     duration >= 27.5 & savingsStatus_X.100 >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0131099755, 
#>     (duration < 22.5 | is.na(duration)) & (age < 40.5 | is.na(age)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000706620747, 
#>     duration >= 22.5 & (age < 40.5 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         installmentCommitment >= 2.5 & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00896590482) + case_when(employment_X4..X.7 >= 0.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) ~ -0.00676774373, 
#>     (duration < 21 | is.na(duration)) & savingsStatus_no.known.savings >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) ~ 0.00316107622, 
#>     duration >= 21 & savingsStatus_no.known.savings >= 0.5 & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ -0.00855983514, 
#>     duration >= 28.5 & job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         housing_own >= 0.5 ~ 0.00230861618, checkingStatus_no.checking >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ -0.00361292833, 
#>     employment_X..7 >= 0.5 & otherPaymentPlans_bank >= 0.5 & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 ~ -0.00600455981, (creditAmount < 
#>         5338.5 | is.na(creditAmount)) & (duration < 28.5 | is.na(duration)) & 
#>         job_high.qualif.self.emp.mgmt >= 0.5 & housing_own >= 
#>         0.5 ~ -0.0055209226, creditAmount >= 5338.5 & (duration < 
#>         28.5 | is.na(duration)) & job_high.qualif.self.emp.mgmt >= 
#>         0.5 & housing_own >= 0.5 ~ 0.001589539, (creditAmount < 
#>         1948.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (housing_own < 
#>         0.5 | is.na(housing_own)) ~ 0.000998856034, creditAmount >= 
#>         1948.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ 0.00994315278, 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>         0.5 ~ -0.00978574529, (creditAmount < 2456.5 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & otherPaymentPlans_bank >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 ~ 0.000553268532, creditAmount >= 
#>         2456.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         otherPaymentPlans_bank >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>         0.5 ~ 0.00322713959, (duration < 19 | is.na(duration)) & 
#>         employment_X.1 >= 0.5 & (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>         0.5 ~ -0.00563735515, duration >= 19 & employment_X.1 >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 ~ 0.00235739304, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & installmentCommitment >= 
#>         3.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 ~ 0.0048197112, propertyMagnitude_real.estate >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & installmentCommitment >= 
#>         3.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 ~ -0.00647078129, employment_X1..X.4 >= 
#>         0.5 & job_skilled >= 0.5 & installmentCommitment >= 3.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         housing_own >= 0.5 ~ -0.00196264777, checkingStatus_X0..X.200 >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         job_skilled >= 0.5 & installmentCommitment >= 3.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>         0.5 ~ -0.0023258843, (creditAmount < 1871.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         job_skilled >= 0.5 & installmentCommitment >= 3.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>         0.5 ~ -0.0052712094, creditAmount >= 1871.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & job_skilled >= 0.5 & 
#>         installmentCommitment >= 3.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>         0.5 ~ -0.0106589645) + case_when(housing_for.free >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.000792981882, 
#>     age >= 46.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00387979089, creditAmount >= 6944 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00145889516, purpose_used.car >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & personalStatus_male.single >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00906750746, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         employment_X4..X.7 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00970703084, residenceSince >= 3.5 & employment_X4..X.7 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000872382778, 
#>     residenceSince >= 3.5 & (creditAmount < 6944 | is.na(creditAmount)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0101036467, (creditAmount < 
#>         1216 | is.na(creditAmount)) & personalStatus_male.mar.wid >= 
#>         0.5 & (age < 46.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00486939354, 
#>     creditAmount >= 1216 & personalStatus_male.mar.wid >= 0.5 & 
#>         (age < 46.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00359533471, 
#>     (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (age < 46.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00524960272, 
#>     installmentCommitment >= 1.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (age < 46.5 | 
#>         is.na(age)) & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00307702017, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         installmentCommitment >= 2.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (age < 46.5 | 
#>         is.na(age)) & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0114557082, employment_X1..X.4 >= 0.5 & installmentCommitment >= 
#>         2.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (age < 46.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0039232648, 
#>     propertyMagnitude_no.known.property >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0101083536, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0025898621, 
#>     residenceSince >= 3.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0086757876, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 16.5 | is.na(duration)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (creditAmount < 6944 | 
#>         is.na(creditAmount)) & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0102655431, installmentCommitment >= 
#>         3.5 & (duration < 16.5 | is.na(duration)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (creditAmount < 6944 | 
#>         is.na(creditAmount)) & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0040346384, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 16.5 & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>         6944 | is.na(creditAmount)) & (housing_for.free < 0.5 | 
#>         is.na(housing_for.free)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00742489938, employment_X1..X.4 >= 0.5 & duration >= 
#>         16.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (creditAmount < 6944 | is.na(creditAmount)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00272106961, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00345276669, 
#>     (age < 32.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00101600797, 
#>     age >= 32.5 & savingsStatus_X.100 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00902578328) + 
#>     case_when((age < 34.5 | is.na(age)) & purpose_used.car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0115076201, age >= 34.5 & purpose_used.car >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00258988515, otherPaymentPlans_bank >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00169955799, creditAmount >= 4291.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00450914539, 
#>         (duration < 8.5 | is.na(duration)) & (creditAmount < 
#>             1372.5 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0074882023, 
#>         (duration < 10.5 | is.na(duration)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00351985218, 
#>         duration >= 10.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.0111278063, 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (creditAmount < 
#>             4291.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00135004532, 
#>         existingCredits >= 1.5 & (creditAmount < 4291.5 | is.na(creditAmount)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.009473674, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             duration >= 8.5 & (creditAmount < 1372.5 | is.na(creditAmount)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00168492994, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>             (duration < 20.5 | is.na(duration)) & creditAmount >= 
#>             1372.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000911579118, personalStatus_male.div.sep >= 0.5 & 
#>             duration >= 20.5 & creditAmount >= 1372.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0110048968, 
#>         personalStatus_male.single >= 0.5 & residenceSince >= 
#>             1.5 & duration >= 8.5 & (creditAmount < 1372.5 | 
#>             is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0142662823, 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             installmentCommitment >= 1.5 & (duration < 20.5 | 
#>             is.na(duration)) & creditAmount >= 1372.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0104763443, 
#>         purpose_furniture.equipment >= 0.5 & installmentCommitment >= 
#>             1.5 & (duration < 20.5 | is.na(duration)) & creditAmount >= 
#>             1372.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -4.93013722e-05, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             residenceSince >= 1.5 & duration >= 8.5 & (creditAmount < 
#>             1372.5 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00712298136, 
#>         residenceSince >= 3.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & residenceSince >= 
#>             1.5 & duration >= 8.5 & (creditAmount < 1372.5 | 
#>             is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.000887640868, 
#>         savingsStatus_X100..X.500 >= 0.5 & (creditAmount < 3959.5 | 
#>             is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             20.5 & creditAmount >= 1372.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00238537509, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             creditAmount >= 3959.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             20.5 & creditAmount >= 1372.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00149683515, 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 3959.5 & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             duration >= 20.5 & creditAmount >= 1372.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0093856724, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>             3959.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             20.5 & creditAmount >= 1372.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00270030904, 
#>         job_skilled >= 0.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>             is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>             3959.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             20.5 & creditAmount >= 1372.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00629354687) + 
#>     case_when((creditAmount < 1360.5 | is.na(creditAmount)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00125860854, (age < 33.5 | is.na(age)) & job_unskilled.resident >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00485305488, 
#>         age >= 33.5 & job_unskilled.resident >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00564315077, otherPaymentPlans_bank >= 0.5 & 
#>             (age < 34.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.011183084, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (age < 28.5 | is.na(age)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00932353083, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             age >= 28.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.0106791258, 
#>         housing_for.free >= 0.5 & age >= 28.5 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00301550981, (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (age < 
#>             28.5 | is.na(age)) & creditAmount >= 1360.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00221388089, 
#>         savingsStatus_no.known.savings >= 0.5 & (age < 28.5 | 
#>             is.na(age)) & creditAmount >= 1360.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00807509199, 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             age >= 28.5 & creditAmount >= 1360.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0112632252, 
#>         propertyMagnitude_life.insurance >= 0.5 & age >= 28.5 & 
#>             creditAmount >= 1360.5 & (savingsStatus_X.100 < 0.5 | 
#>             is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00260308641, 
#>         creditAmount >= 3893.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             age >= 34.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00469771167, 
#>         (housing_own < 0.5 | is.na(housing_own)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & age >= 34.5 & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00208842964, housing_own >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & age >= 34.5 & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00720917201, (creditAmount < 2487 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & (age < 28.5 | is.na(age)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00252762693, 
#>         creditAmount >= 2487 & savingsStatus_X.100 >= 0.5 & (age < 
#>             28.5 | is.na(age)) & (job_unskilled.resident < 0.5 | 
#>             is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.0104854526, (creditAmount < 1389.5 | is.na(creditAmount)) & 
#>             (creditAmount < 2020.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (age < 34.5 | 
#>             is.na(age)) & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00140580477, 
#>         creditAmount >= 1389.5 & (creditAmount < 2020.5 | is.na(creditAmount)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (age < 34.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00886481535, duration >= 28.5 & creditAmount >= 
#>             2020.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (age < 34.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00854666904, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (creditAmount < 3893.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             age >= 34.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0102027152, 
#>         installmentCommitment >= 3.5 & (creditAmount < 3893.5 | 
#>             is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             age >= 34.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00529601099, 
#>         (creditAmount < 3415 | is.na(creditAmount)) & (duration < 
#>             28.5 | is.na(duration)) & creditAmount >= 2020.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (age < 34.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.005676453, creditAmount >= 3415 & (duration < 28.5 | 
#>             is.na(duration)) & creditAmount >= 2020.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (age < 34.5 | 
#>             is.na(age)) & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00723093003) + 
#>     case_when(creditHistory_no.credits.all.paid >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00602483517, propertyMagnitude_car >= 
#>         0.5 & employment_X.1 >= 0.5 ~ 0.00853924919, personalStatus_male.single >= 
#>         0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         employment_X.1 >= 0.5 ~ -0.00856046565, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & employment_X.1 >= 
#>         0.5 ~ -2.42990372e-05, installmentCommitment >= 3.5 & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         employment_X.1 >= 0.5 ~ 0.00617159158, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (duration < 
#>         14.5 | is.na(duration)) & purpose_new.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00662343949, creditHistory_existing.paid >= 
#>         0.5 & (duration < 14.5 | is.na(duration)) & purpose_new.car >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00292421179, 
#>         creditHistory_delayed.previously >= 0.5 & duration >= 
#>             14.5 & purpose_new.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             3.07019036e-05, (checkingStatus_X0..X.200 < 0.5 | 
#>             is.na(checkingStatus_X0..X.200)) & duration >= 19 & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.0105559835, residenceSince >= 3.5 & duration >= 
#>             25.5 & installmentCommitment >= 3.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00764565496, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>             duration >= 14.5 & purpose_new.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00149888347, savingsStatus_X.100 >= 0.5 & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             duration >= 14.5 & purpose_new.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.0131045636, residenceSince >= 3.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (duration < 
#>             19 | is.na(duration)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00281101582, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             purpose_furniture.equipment >= 0.5 & (duration < 
#>             19 | is.na(duration)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00310001103, employment_X1..X.4 >= 0.5 & purpose_furniture.equipment >= 
#>             0.5 & (duration < 19 | is.na(duration)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00233004196, (age < 29.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>             0.5 & duration >= 19 & (installmentCommitment < 3.5 | 
#>             is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00182442227, age >= 29.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & duration >= 19 & (installmentCommitment < 3.5 | 
#>             is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00669169053, (housing_own < 0.5 | is.na(housing_own)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (duration < 25.5 | is.na(duration)) & installmentCommitment >= 
#>             3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00379468407, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             ownTelephone_yes >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>             installmentCommitment >= 3.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.0017470856, residenceSince >= 2.5 & ownTelephone_yes >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & installmentCommitment >= 
#>             3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.0101830922, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             duration >= 25.5 & installmentCommitment >= 3.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00321820378, purpose_radio.tv >= 0.5 & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & duration >= 25.5 & 
#>             installmentCommitment >= 3.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00444734097, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (duration < 19 | is.na(duration)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00342065445, savingsStatus_X.100 >= 0.5 & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (duration < 
#>             19 | is.na(duration)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.0100303302, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             housing_own >= 0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (duration < 25.5 | is.na(duration)) & installmentCommitment >= 
#>             3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00536614656, propertyMagnitude_life.insurance >= 
#>             0.5 & housing_own >= 0.5 & (ownTelephone_yes < 0.5 | 
#>             is.na(ownTelephone_yes)) & (duration < 25.5 | is.na(duration)) & 
#>             installmentCommitment >= 3.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00074394152) + case_when(personalStatus_male.mar.wid >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.00162867794, purpose_new.car >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & installmentCommitment >= 2.5 ~ 0.00326947216, creditAmount >= 
#>     9569 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.00535274716, (propertyMagnitude_life.insurance < 0.5 | 
#>     is.na(propertyMagnitude_life.insurance)) & purpose_furniture.equipment >= 
#>     0.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.00601310702, propertyMagnitude_life.insurance >= 0.5 & 
#>     purpose_furniture.equipment >= 0.5 & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00391992554, personalStatus_female.div.dep.mar >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.00292613474, creditAmount >= 
#>     2565.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & installmentCommitment >= 
#>     2.5 ~ -0.0101526231, creditAmount >= 6751.5 & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00391777791, creditAmount >= 
#>     6630 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.00619112607, duration >= 
#>     22.5 & ownTelephone_none >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.0111227632, duration >= 
#>     19.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ -0.00926788524, (creditAmount < 
#>     1830 | is.na(creditAmount)) & (creditAmount < 2565.5 | is.na(creditAmount)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & installmentCommitment >= 2.5 ~ -0.00720678829, creditAmount >= 
#>     1830 & (creditAmount < 2565.5 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & installmentCommitment >= 2.5 ~ 0.00637222873, savingsStatus_no.known.savings >= 
#>     0.5 & (creditAmount < 6751.5 | is.na(creditAmount)) & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00270379265, (creditAmount < 
#>     1487.5 | is.na(creditAmount)) & (creditAmount < 6630 | is.na(creditAmount)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.00169339904, (creditAmount < 
#>     1518 | is.na(creditAmount)) & (duration < 19.5 | is.na(duration)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ -0.0020075175, creditAmount >= 
#>     1518 & (duration < 19.5 | is.na(duration)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & checkingStatus_no.checking >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & installmentCommitment >= 
#>     2.5 ~ 0.00217291177, (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditAmount < 
#>     6751.5 | is.na(creditAmount)) & (creditAmount < 9569 | is.na(creditAmount)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.0129331648, creditHistory_delayed.previously >= 0.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (creditAmount < 6751.5 | is.na(creditAmount)) & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00433728797, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 1487.5 & 
#>     (creditAmount < 6630 | is.na(creditAmount)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ -0.00530385831, savingsStatus_X.100 >= 
#>     0.5 & creditAmount >= 1487.5 & (creditAmount < 6630 | is.na(creditAmount)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ -0.000548163836, (age < 27 | 
#>     is.na(age)) & (creditAmount < 1110.5 | is.na(creditAmount)) & 
#>     (duration < 22.5 | is.na(duration)) & ownTelephone_none >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.00174152316, age >= 27 & 
#>     (creditAmount < 1110.5 | is.na(creditAmount)) & (duration < 
#>     22.5 | is.na(duration)) & ownTelephone_none >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.0109527549, job_unskilled.resident >= 
#>     0.5 & creditAmount >= 1110.5 & (duration < 22.5 | is.na(duration)) & 
#>     ownTelephone_none >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ -0.0048363856, (age < 25.5 | 
#>     is.na(age)) & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     creditAmount >= 1110.5 & (duration < 22.5 | is.na(duration)) & 
#>     ownTelephone_none >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.000462771015, age >= 25.5 & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     creditAmount >= 1110.5 & (duration < 22.5 | is.na(duration)) & 
#>     ownTelephone_none >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 ~ 0.00359125342) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 ~ 0.00670971489, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     duration >= 43.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>     is.na(creditHistory_no.credits.all.paid)) ~ 0.0110664293, 
#>     ownTelephone_yes >= 0.5 & duration >= 43.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00334859896, 
#>     ownTelephone_yes >= 0.5 & (creditAmount < 1285 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00371761317, 
#>     creditAmount >= 7973.5 & creditAmount >= 1285 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00702468259, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00927895121, 
#>     (age < 24.5 | is.na(age)) & job_skilled >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.000876737293, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 1285 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.0110358, 
#>     (creditAmount < 2312.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         2.5 & (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00433795573, 
#>     creditAmount >= 2312.5 & installmentCommitment >= 2.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00498578744, 
#>     (creditAmount < 4602.5 | is.na(creditAmount)) & age >= 24.5 & 
#>         job_skilled >= 0.5 & checkingStatus_no.checking >= 0.5 & 
#>         (duration < 43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0106967604, 
#>     creditAmount >= 4602.5 & age >= 24.5 & job_skilled >= 0.5 & 
#>         checkingStatus_no.checking >= 0.5 & (duration < 43.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00330843986, 
#>     (age < 29.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 1285 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0022521615, 
#>     age >= 29.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 1285 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00923002884, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 7973.5 | 
#>         is.na(creditAmount)) & creditAmount >= 1285 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.000205272896, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 7973.5 | 
#>         is.na(creditAmount)) & creditAmount >= 1285 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00782711711, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 7973.5 | is.na(creditAmount)) & creditAmount >= 
#>         1285 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0113115404, 
#>     savingsStatus_X.100 >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 7973.5 | 
#>         is.na(creditAmount)) & creditAmount >= 1285 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00573136797, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 2.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 7973.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1285 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00371233374, 
#>     savingsStatus_X.100 >= 0.5 & installmentCommitment >= 2.5 & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 7973.5 | 
#>         is.na(creditAmount)) & creditAmount >= 1285 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         43.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00286989147) + 
#>     case_when(purpose_business >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00602575997, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & checkingStatus_X..200 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0110553009, propertyMagnitude_real.estate >= 0.5 & 
#>         checkingStatus_X..200 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00102810899, 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.000640281069, purpose_used.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00735138776, (creditAmount < 3156.5 | is.na(creditAmount)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00380052207, 
#>         (age < 43 | is.na(age)) & creditAmount >= 3156.5 & propertyMagnitude_no.known.property >= 
#>             0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00397125073, age >= 43 & creditAmount >= 3156.5 & 
#>             propertyMagnitude_no.known.property >= 0.5 & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0113442671, 
#>         job_skilled >= 0.5 & (creditAmount < 4147.5 | is.na(creditAmount)) & 
#>             residenceSince >= 1.5 & (purpose_business < 0.5 | 
#>             is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00986034982, (duration < 28.5 | is.na(duration)) & 
#>             creditAmount >= 4147.5 & residenceSince >= 1.5 & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ 0.00387704815, 
#>         duration >= 28.5 & creditAmount >= 4147.5 & residenceSince >= 
#>             1.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00871520583, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (creditAmount < 
#>             4147.5 | is.na(creditAmount)) & residenceSince >= 
#>             1.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00939432066, 
#>         installmentCommitment >= 3.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (creditAmount < 4147.5 | is.na(creditAmount)) & residenceSince >= 
#>             1.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ 0.00334013393, 
#>         existingCredits >= 1.5 & (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & (job_skilled < 0.5 | 
#>             is.na(job_skilled)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0108253108, (age < 33.5 | is.na(age)) & propertyMagnitude_car >= 
#>             0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00494085345, age >= 33.5 & propertyMagnitude_car >= 
#>             0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000912696007, (age < 25.5 | is.na(age)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & job_skilled >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00909793563, (age < 25.5 | is.na(age)) & checkingStatus_X.0 >= 
#>             0.5 & job_skilled >= 0.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00175576133, (age < 31.5 | is.na(age)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0054688626, age >= 31.5 & (existingCredits < 1.5 | 
#>             is.na(existingCredits)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00267906929, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             age >= 25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             job_skilled >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00935497414, savingsStatus_X.100 >= 0.5 & age >= 
#>             25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             job_skilled >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000990848872, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             age >= 25.5 & checkingStatus_X.0 >= 0.5 & job_skilled >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00989843346, employment_X1..X.4 >= 0.5 & age >= 
#>             25.5 & checkingStatus_X.0 >= 0.5 & job_skilled >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00141333195) + case_when((checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>     10848 ~ 0.000184164615, checkingStatus_X0..X.200 >= 0.5 & 
#>     creditAmount >= 10848 ~ 0.0109861381, (age < 25.5 | is.na(age)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditAmount < 10848 | 
#>     is.na(creditAmount)) ~ -0.00196486968, (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & employment_X.1 >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00632972037, 
#>     propertyMagnitude_life.insurance >= 0.5 & employment_X.1 >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.00437762495, 
#>     age >= 37.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ -0.0103018703, creditAmount >= 
#>         3885.5 & duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ 0.00732862577, purpose_new.car >= 
#>         0.5 & (age < 37.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ 0.00235498487, age >= 
#>         49.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         age >= 25.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00250493153, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         purpose_new.car >= 0.5 & age >= 25.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ -0.000394314731, personalStatus_male.single >= 
#>         0.5 & purpose_new.car >= 0.5 & age >= 25.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ -0.00746341143, (creditAmount < 
#>         673 | is.na(creditAmount)) & (creditAmount < 2309 | is.na(creditAmount)) & 
#>         (duration < 25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ -0.00865716115, (creditAmount < 
#>         3290 | is.na(creditAmount)) & creditAmount >= 2309 & 
#>         (duration < 25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ -0.0117242895, creditAmount >= 
#>         3290 & creditAmount >= 2309 & (duration < 25.5 | is.na(duration)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ -0.00286115846, (creditAmount < 
#>         2454.5 | is.na(creditAmount)) & (creditAmount < 3885.5 | 
#>         is.na(creditAmount)) & duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ 0.00518455496, creditAmount >= 
#>         2454.5 & (creditAmount < 3885.5 | is.na(creditAmount)) & 
#>         duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ -0.001506745, (age < 29.5 | is.na(age)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (age < 
#>         37.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ -0.0100854589, age >= 
#>         29.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (age < 37.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ -0.00356929586, (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & age >= 
#>         25.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.01258949, 
#>     purpose_business >= 0.5 & (age < 49.5 | is.na(age)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & age >= 25.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ -0.0051997439, (age < 
#>         36.5 | is.na(age)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 673 & (creditAmount < 2309 | is.na(creditAmount)) & 
#>         (duration < 25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ -0.000227552868, age >= 36.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 673 & (creditAmount < 2309 | is.na(creditAmount)) & 
#>         (duration < 25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ 0.00889079459, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & ownTelephone_yes >= 
#>         0.5 & creditAmount >= 673 & (creditAmount < 2309 | is.na(creditAmount)) & 
#>         (duration < 25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ -0.0101336604, savingsStatus_X.100 >= 
#>         0.5 & ownTelephone_yes >= 0.5 & creditAmount >= 673 & 
#>         (creditAmount < 2309 | is.na(creditAmount)) & (duration < 
#>         25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 10848 | 
#>         is.na(creditAmount)) ~ 4.58745417e-05) + case_when((creditAmount < 
#>     729.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.00957620144, 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.000408172724, checkingStatus_X..200 >= 0.5 & 
#>         creditAmount >= 729.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00830327719, 
#>     otherPaymentPlans_bank >= 0.5 & residenceSince >= 1.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00190867065, (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & residenceSince >= 
#>         1.5 & checkingStatus_no.checking >= 0.5 ~ -0.00983574335, 
#>     creditHistory_delayed.previously >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & residenceSince >= 
#>         1.5 & checkingStatus_no.checking >= 0.5 ~ -0.00306841359, 
#>     creditAmount >= 3504 & (creditAmount < 3803.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         creditAmount >= 729.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00919836015, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditAmount >= 3803.5 & (checkingStatus_X..200 < 0.5 | 
#>         is.na(checkingStatus_X..200)) & creditAmount >= 729.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00976292975, (duration < 11.5 | is.na(duration)) & 
#>         (creditAmount < 3504 | is.na(creditAmount)) & (creditAmount < 
#>         3803.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & creditAmount >= 
#>         729.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00601278851, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 3803.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         creditAmount >= 729.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00358866039, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3803.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & creditAmount >= 
#>         729.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00967587344, ownTelephone_none >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3803.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & creditAmount >= 
#>         729.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0031765413, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditAmount < 1287 | is.na(creditAmount)) & duration >= 
#>         11.5 & (creditAmount < 3504 | is.na(creditAmount)) & 
#>         (creditAmount < 3803.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & creditAmount >= 
#>         729.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00878340565, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>         1287 | is.na(creditAmount)) & duration >= 11.5 & (creditAmount < 
#>         3504 | is.na(creditAmount)) & (creditAmount < 3803.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X..200 < 0.5 | 
#>         is.na(checkingStatus_X..200)) & creditAmount >= 729.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0028448829, (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 1287 & duration >= 11.5 & (creditAmount < 
#>         3504 | is.na(creditAmount)) & (creditAmount < 3803.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X..200 < 0.5 | 
#>         is.na(checkingStatus_X..200)) & creditAmount >= 729.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0030240654, employment_X4..X.7 >= 0.5 & creditAmount >= 
#>         1287 & duration >= 11.5 & (creditAmount < 3504 | is.na(creditAmount)) & 
#>         (creditAmount < 3803.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & creditAmount >= 
#>         729.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00864046533) + case_when(propertyMagnitude_real.estate >= 
#>     0.5 & (duration < 11.5 | is.na(duration)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.0108616203, (creditAmount < 
#>     1360 | is.na(creditAmount)) & (duration < 15.5 | is.na(duration)) & 
#>     otherPaymentPlans_bank >= 0.5 ~ 0.00191553752, creditAmount >= 
#>     1360 & (duration < 15.5 | is.na(duration)) & otherPaymentPlans_bank >= 
#>     0.5 ~ -0.00429188041, residenceSince >= 3.5 & duration >= 
#>     15.5 & otherPaymentPlans_bank >= 0.5 ~ -0.0008088912, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     11.5 | is.na(duration)) & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) ~ -0.00207880209, ownTelephone_yes >= 
#>     0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (duration < 11.5 | is.na(duration)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00932669174, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (residenceSince < 3.5 | 
#>     is.na(residenceSince)) & duration >= 15.5 & otherPaymentPlans_bank >= 
#>     0.5 ~ 0.00352904852, installmentCommitment >= 3.5 & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & duration >= 15.5 & otherPaymentPlans_bank >= 
#>     0.5 ~ 0.0101386942, (creditAmount < 3545.5 | is.na(creditAmount)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & duration >= 11.5 & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00048405485, creditAmount >= 3545.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (housing_own < 0.5 | 
#>     is.na(housing_own)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00700658374, creditAmount >= 
#>     3899.5 & installmentCommitment >= 2.5 & (housing_own < 0.5 | 
#>     is.na(housing_own)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ 0.0131190754, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & housing_own >= 0.5 & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.000650280039, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (creditAmount < 3899.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     2.5 & (housing_own < 0.5 | is.na(housing_own)) & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.00409991993, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & job_skilled >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     housing_own >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.0119949477, personalStatus_female.div.dep.mar >= 
#>     0.5 & job_skilled >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     housing_own >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00475539034, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00512723066, purpose_new.car >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -4.65065641e-05, (age < 26 | is.na(age)) & ownTelephone_none >= 
#>     0.5 & (creditAmount < 3899.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     2.5 & (housing_own < 0.5 | is.na(housing_own)) & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.00103791, age >= 26 & ownTelephone_none >= 0.5 & (creditAmount < 
#>     3899.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     2.5 & (housing_own < 0.5 | is.na(housing_own)) & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00749489991, age >= 41 & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & savingsStatus_X.100 >= 
#>     0.5 & housing_own >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00451952033, (age < 
#>     35.5 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & housing_own >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00986067764, age >= 
#>     35.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & housing_own >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00310608465, (age < 
#>     23.5 | is.na(age)) & (age < 41 | is.na(age)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & savingsStatus_X.100 >= 
#>     0.5 & housing_own >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00289137289, age >= 
#>     23.5 & (age < 41 | is.na(age)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & savingsStatus_X.100 >= 
#>     0.5 & housing_own >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00445193239) + 
#>     case_when(otherPaymentPlans_stores >= 0.5 ~ 0.00681598531, 
#>         savingsStatus_X100..X.500 >= 0.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ 0.0058176741, 
#>         purpose_used.car >= 0.5 & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             -0.0100810463, savingsStatus_X..1000 >= 0.5 & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ -0.010013896, 
#>         age >= 46.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             -0.00599035621, (creditAmount < 668.5 | is.na(creditAmount)) & 
#>             (age < 46.5 | is.na(age)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ -0.0056011132, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             personalStatus_male.single >= 0.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ 0.0013921106, 
#>         installmentCommitment >= 3.5 & (residenceSince < 2.5 | 
#>             is.na(residenceSince)) & (savingsStatus_X.100 < 0.5 | 
#>             is.na(savingsStatus_X.100)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             -0.0025223312, (creditAmount < 2100 | is.na(creditAmount)) & 
#>             residenceSince >= 2.5 & (savingsStatus_X.100 < 0.5 | 
#>             is.na(savingsStatus_X.100)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             -0.00280340901, creditAmount >= 2100 & residenceSince >= 
#>             2.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             personalStatus_male.single >= 0.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ -0.0108964918, 
#>         duration >= 28.5 & (propertyMagnitude_real.estate < 0.5 | 
#>             is.na(propertyMagnitude_real.estate)) & savingsStatus_X.100 >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             personalStatus_male.single >= 0.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ 0.00910258666, 
#>         (creditAmount < 1705.5 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             -0.0086814696, creditAmount >= 1705.5 & propertyMagnitude_real.estate >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             -0.00359091326, purpose_business >= 0.5 & creditAmount >= 
#>             668.5 & (age < 46.5 | is.na(age)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ -0.00462381449, 
#>         employment_X..7 >= 0.5 & (duration < 28.5 | is.na(duration)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             0.00781973824, (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & creditAmount >= 
#>             668.5 & (age < 46.5 | is.na(age)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ 0.00449703215, 
#>         checkingStatus_no.checking >= 0.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & creditAmount >= 
#>             668.5 & (age < 46.5 | is.na(age)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ -0.00285360985, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (duration < 28.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & savingsStatus_X.100 >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             personalStatus_male.single >= 0.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) ~ -0.00863757823, 
#>         installmentCommitment >= 3.5 & (employment_X..7 < 0.5 | 
#>             is.na(employment_X..7)) & (duration < 28.5 | is.na(duration)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) ~ 
#>             0.00298567861) + case_when((creditAmount < 6443.5 | 
#>     is.na(creditAmount)) & purpose_used.car >= 0.5 ~ -0.0120306574, 
#>     creditAmount >= 6443.5 & purpose_used.car >= 0.5 ~ -0.000204448996, 
#>     (housing_own < 0.5 | is.na(housing_own)) & creditAmount >= 
#>         7788 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0104915109, housing_own >= 0.5 & creditAmount >= 7788 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00200471072, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         employment_X4..X.7 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00408358639, installmentCommitment >= 
#>         2.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         employment_X4..X.7 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.0103832837, (housing_own < 
#>         0.5 | is.na(housing_own)) & ownTelephone_none >= 0.5 & 
#>         employment_X4..X.7 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00477575744, (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & housing_own >= 0.5 & 
#>         ownTelephone_none >= 0.5 & employment_X4..X.7 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00682863081, purpose_new.car >= 0.5 & housing_own >= 
#>         0.5 & ownTelephone_none >= 0.5 & employment_X4..X.7 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00189322198, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 7788 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00117217761, (housing_rent < 
#>         0.5 | is.na(housing_rent)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 7788 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.000924456981, housing_rent >= 
#>         0.5 & personalStatus_female.div.dep.mar >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         7788 | is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00367890112, purpose_education >= 
#>         0.5 & (duration < 27.5 | is.na(duration)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 7788 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00677156635, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 27.5 & 
#>         installmentCommitment >= 2.5 & (creditAmount < 7788 | 
#>         is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000286324474, savingsStatus_X.100 >= 0.5 & duration >= 
#>         27.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         7788 | is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0102587342, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & personalStatus_male.single >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 7788 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.0101248128, propertyMagnitude_life.insurance >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         7788 | is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00196635118, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (duration < 27.5 | is.na(duration)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 7788 | 
#>         is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00644437643, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & residenceSince >= 
#>         1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (duration < 27.5 | is.na(duration)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 7788 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00149000541, propertyMagnitude_real.estate >= 
#>         0.5 & residenceSince >= 1.5 & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (duration < 27.5 | is.na(duration)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 7788 | 
#>         is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00496044522) + case_when(purpose_education >= 0.5 & 
#>     (creditAmount < 8259.5 | is.na(creditAmount)) ~ 0.00542122545, 
#>     (duration < 33 | is.na(duration)) & creditAmount >= 8259.5 ~ 
#>         0.0118113216, duration >= 33 & creditAmount >= 8259.5 ~ 
#>         9.03721157e-05, creditHistory_no.credits.all.paid >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ 0.0044510169, 
#>     purpose_furniture.equipment >= 0.5 & creditAmount >= 2604.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ -0.00209140009, 
#>     (duration < 21 | is.na(duration)) & numDependents >= 1.5 & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 8259.5 | 
#>         is.na(creditAmount)) ~ -0.00965616573, duration >= 21 & 
#>         numDependents >= 1.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 8259.5 | 
#>         is.na(creditAmount)) ~ -0.00383380009, job_skilled >= 
#>         0.5 & (duration < 17 | is.na(duration)) & (creditAmount < 
#>         2604.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 8259.5 | 
#>         is.na(creditAmount)) ~ -0.00834681466, propertyMagnitude_real.estate >= 
#>         0.5 & duration >= 17 & (creditAmount < 2604.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ 0.00333401468, 
#>     (age < 26.5 | is.na(age)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         2604.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ -0.00338200736, 
#>     age >= 30.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ 0.0100109959, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         residenceSince >= 3.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 8259.5 | 
#>         is.na(creditAmount)) ~ 0.00423666788, otherPaymentPlans_none >= 
#>         0.5 & residenceSince >= 3.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 8259.5 | 
#>         is.na(creditAmount)) ~ -0.00730647426, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (duration < 17 | is.na(duration)) & 
#>         (creditAmount < 2604.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 8259.5 | 
#>         is.na(creditAmount)) ~ 0.00142497814, savingsStatus_X.100 >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & (duration < 
#>         17 | is.na(duration)) & (creditAmount < 2604.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ -0.00471338723, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         duration >= 17 & (creditAmount < 2604.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ 0.00157271815, 
#>     personalStatus_male.single >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         17 & (creditAmount < 2604.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ -0.00424782233, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         age >= 26.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         creditAmount >= 2604.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 8259.5 | 
#>         is.na(creditAmount)) ~ -0.00436511496, personalStatus_male.single >= 
#>         0.5 & age >= 26.5 & (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         2604.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ -0.0120867239, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (age < 30.5 | is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ 0.00451203296, 
#>     purpose_furniture.equipment >= 0.5 & (age < 30.5 | is.na(age)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 8259.5 | is.na(creditAmount)) ~ -0.00919386931) + 
#>     case_when(creditAmount >= 7632 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00122630585, (age < 23.5 | is.na(age)) & (creditAmount < 
#>         7632 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00272564916, (duration < 19.5 | is.na(duration)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00947516132, 
#>         duration >= 19.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00143640512, (creditAmount < 2033.5 | is.na(creditAmount)) & 
#>             (age < 32 | is.na(age)) & propertyMagnitude_real.estate >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00388907525, creditAmount >= 2033.5 & (age < 32 | 
#>             is.na(age)) & propertyMagnitude_real.estate >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00746270688, (duration < 16.5 | is.na(duration)) & 
#>             age >= 32 & propertyMagnitude_real.estate >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0110865925, duration >= 16.5 & age >= 32 & propertyMagnitude_real.estate >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00442811707, purpose_business >= 0.5 & age >= 
#>             23.5 & (creditAmount < 7632 | is.na(creditAmount)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00320091541, 
#>         creditHistory_delayed.previously >= 0.5 & duration >= 
#>             25.5 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0017722575, 
#>         purpose_furniture.equipment >= 0.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & (creditAmount < 
#>             7632 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00471764151, (creditAmount < 1433.5 | is.na(creditAmount)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (duration < 25.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00833279267, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             existingCredits >= 1.5 & (duration < 25.5 | is.na(duration)) & 
#>             residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0106587317, 
#>         (creditAmount < 7822.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             duration >= 25.5 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0115227457, 
#>         creditAmount >= 7822.5 & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             duration >= 25.5 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00273328298, 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             age >= 23.5 & (creditAmount < 7632 | is.na(creditAmount)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00427952316, 
#>         otherPaymentPlans_none >= 0.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & age >= 23.5 & (creditAmount < 
#>             7632 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.010770957, purpose_radio.tv >= 0.5 & creditAmount >= 
#>             1433.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (duration < 25.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00709035853, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             installmentCommitment >= 2.5 & existingCredits >= 
#>             1.5 & (duration < 25.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0020636681, ownTelephone_none >= 0.5 & installmentCommitment >= 
#>             2.5 & existingCredits >= 1.5 & (duration < 25.5 | 
#>             is.na(duration)) & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00426989142, 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             creditAmount >= 1433.5 & (existingCredits < 1.5 | 
#>             is.na(existingCredits)) & (duration < 25.5 | is.na(duration)) & 
#>             residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00178237539, 
#>         checkingStatus_X0..X.200 >= 0.5 & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & creditAmount >= 
#>             1433.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (duration < 25.5 | is.na(duration)) & residenceSince >= 
#>             1.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00625141244) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 ~ 0.0087929517, creditAmount >= 10792 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00576343341, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (duration < 15.5 | 
#>         is.na(duration)) & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00117766508, 
#>     job_skilled >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00511450274, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & duration >= 15.5 & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00321538234, 
#>     personalStatus_male.single >= 0.5 & housing_rent >= 0.5 & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 10792 | 
#>         is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00670849066, 
#>     otherPaymentPlans_stores >= 0.5 & job_skilled >= 0.5 & duration >= 
#>         15.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0031106635, 
#>     age >= 24.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         housing_rent >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.0058059576, 
#>     (creditAmount < 2627 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & job_skilled >= 
#>         0.5 & duration >= 15.5 & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (creditAmount < 10792 | 
#>         is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.0122597013, 
#>     creditAmount >= 2627 & (otherPaymentPlans_stores < 0.5 | 
#>         is.na(otherPaymentPlans_stores)) & job_skilled >= 0.5 & 
#>         duration >= 15.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00410303893, 
#>     creditAmount >= 6183 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00136312319, 
#>     (creditAmount < 2651 | is.na(creditAmount)) & creditHistory_delayed.previously >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 10792 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.0060717077, creditAmount >= 2651 & creditHistory_delayed.previously >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 10792 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00887125265, existingCredits >= 1.5 & (age < 36.5 | 
#>         is.na(age)) & checkingStatus_X.0 >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 10792 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00570346043, (creditAmount < 1586.5 | is.na(creditAmount)) & 
#>         age >= 36.5 & checkingStatus_X.0 >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 10792 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00972336065, creditAmount >= 1586.5 & age >= 36.5 & 
#>         checkingStatus_X.0 >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 10792 | 
#>         is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00312788296, 
#>     (duration < 13.5 | is.na(duration)) & (age < 24.5 | is.na(age)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         housing_rent >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00618691137, 
#>     duration >= 13.5 & (age < 24.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & housing_rent >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>         10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00276295398, 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditAmount < 6183 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00932415109, 
#>     savingsStatus_no.known.savings >= 0.5 & (creditAmount < 6183 | 
#>         is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditAmount < 10792 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00239274953, 
#>     (duration < 13 | is.na(duration)) & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & (age < 36.5 | is.na(age)) & 
#>         checkingStatus_X.0 >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 10792 | 
#>         is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00348204211, 
#>     duration >= 13 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (age < 36.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 10792 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00351879885) + case_when(purpose_used.car >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0106842285, (age < 38.5 | is.na(age)) & (housing_own < 
#>     0.5 | is.na(housing_own)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00321145938, age >= 38.5 & (housing_own < 0.5 | 
#>     is.na(housing_own)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ 0.00245307316, checkingStatus_X0..X.200 >= 0.5 & creditHistory_delayed.previously >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00683636591, purpose_new.car >= 0.5 & (age < 35.5 | is.na(age)) & 
#>     housing_own >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ 0.00452423608, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     age >= 35.5 & housing_own >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.0111666806, propertyMagnitude_car >= 0.5 & age >= 
#>     35.5 & housing_own >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00485653756, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     creditHistory_delayed.previously >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00426896662, installmentCommitment >= 3.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & creditHistory_delayed.previously >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00563526899, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (age < 
#>     35.5 | is.na(age)) & housing_own >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00700095482, installmentCommitment >= 3.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (age < 35.5 | is.na(age)) & 
#>     housing_own >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00226311781, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     employment_X1..X.4 >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -7.96407985e-05, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (creditAmount < 2588 | is.na(creditAmount)) & duration >= 
#>     16.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.0120305642, employment_X.1 >= 0.5 & (creditAmount < 2588 | 
#>     is.na(creditAmount)) & duration >= 16.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00207877671, residenceSince >= 3.5 & (creditAmount < 1675 | 
#>     is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00374101778, (creditAmount < 2760.5 | is.na(creditAmount)) & 
#>     creditAmount >= 1675 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00982710905, creditAmount >= 2760.5 & creditAmount >= 
#>     1675 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00343461335, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     savingsStatus_X.100 >= 0.5 & employment_X1..X.4 >= 0.5 & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00941181742, purpose_furniture.equipment >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & employment_X1..X.4 >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00339228613, checkingStatus_X0..X.200 >= 0.5 & (creditAmount < 
#>     5904.5 | is.na(creditAmount)) & creditAmount >= 2588 & duration >= 
#>     16.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00528880814, (creditAmount < 9044.5 | is.na(creditAmount)) & 
#>     creditAmount >= 5904.5 & creditAmount >= 2588 & duration >= 
#>     16.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.012035273, creditAmount >= 9044.5 & creditAmount >= 5904.5 & 
#>     creditAmount >= 2588 & duration >= 16.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00109766622, (creditAmount < 912.5 | is.na(creditAmount)) & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     1675 | is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & (duration < 16.5 | is.na(duration)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00360395084, creditAmount >= 912.5 & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (creditAmount < 1675 | is.na(creditAmount)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00965402741, (creditAmount < 3913.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (creditAmount < 5904.5 | is.na(creditAmount)) & creditAmount >= 
#>     2588 & duration >= 16.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.0049963952, creditAmount >= 3913.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>     5904.5 | is.na(creditAmount)) & creditAmount >= 2588 & duration >= 
#>     16.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.000899070175) + case_when(propertyMagnitude_life.insurance >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     checkingStatus_no.checking >= 0.5 ~ -0.00260794698, (duration < 
#>     16.5 | is.na(duration)) & personalStatus_female.div.dep.mar >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00776239485, 
#>     duration >= 16.5 & personalStatus_female.div.dep.mar >= 0.5 & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00587809179, numDependents >= 
#>         1.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00103763537, age >= 33.5 & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00488396222, employment_X..7 >= 0.5 & (duration < 
#>         15.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00816183351, employment_X1..X.4 >= 0.5 & duration >= 
#>         15.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0100420602, 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0101600289, creditHistory_delayed.previously >= 
#>         0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00246755569, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00979564432, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00282550021, 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (age < 33.5 | 
#>         is.na(age)) & creditHistory_existing.paid >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00365852169, 
#>     housing_rent >= 0.5 & (age < 33.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000162422322, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (duration < 
#>         15.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00847503636, propertyMagnitude_car >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (duration < 15.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00246533798, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00313884392, 
#>     propertyMagnitude_life.insurance >= 0.5 & ownTelephone_none >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00250581163, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & residenceSince >= 
#>         2.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000449539308, 
#>     job_skilled >= 0.5 & residenceSince >= 2.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0129874479, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & ownTelephone_none >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00750027597, 
#>     job_skilled >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & ownTelephone_none >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -5.49602155e-05) + 
#>     case_when(personalStatus_male.div.sep >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00878512021, 
#>         purpose_business >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00341833429, ownTelephone_yes >= 0.5 & savingsStatus_X100..X.500 >= 
#>             0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00317171053, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (age < 26.5 | is.na(age)) & (purpose_business < 0.5 | 
#>             is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00742373383, savingsStatus_X.100 >= 0.5 & 
#>             (age < 26.5 | is.na(age)) & (purpose_business < 0.5 | 
#>             is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00559554575, (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & savingsStatus_X100..X.500 >= 
#>             0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0103869354, propertyMagnitude_car >= 0.5 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & savingsStatus_X100..X.500 >= 
#>             0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00285483524, (age < 29.5 | is.na(age)) & (creditAmount < 
#>             5892.5 | is.na(creditAmount)) & age >= 26.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00333706615, age >= 29.5 & (creditAmount < 
#>             5892.5 | is.na(creditAmount)) & age >= 26.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0105713857, (duration < 32 | is.na(duration)) & 
#>             creditAmount >= 5892.5 & age >= 26.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00343312602, duration >= 32 & creditAmount >= 
#>             5892.5 & age >= 26.5 & (purpose_business < 0.5 | 
#>             is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00799228065, (age < 22.5 | is.na(age)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (duration < 25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0120033389, 
#>         (age < 25.5 | is.na(age)) & propertyMagnitude_car >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00574984634, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             duration >= 25.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>             is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00779257715, 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & duration >= 25.5 & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00185275695, 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             checkingStatus_X.0 >= 0.5 & duration >= 25.5 & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00617146539, 
#>         ownTelephone_none >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>             duration >= 25.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>             is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00233466341, 
#>         (creditAmount < 1219.5 | is.na(creditAmount)) & age >= 
#>             25.5 & propertyMagnitude_car >= 0.5 & (duration < 
#>             25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00931678992, 
#>         creditAmount >= 1219.5 & age >= 25.5 & propertyMagnitude_car >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0088363383, 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             age >= 22.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (duration < 25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0103996368, 
#>         ownTelephone_yes >= 0.5 & (installmentCommitment < 3.5 | 
#>             is.na(installmentCommitment)) & age >= 22.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (duration < 
#>             25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00270905648, 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             installmentCommitment >= 3.5 & age >= 22.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (duration < 
#>             25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00267573283, 
#>         ownTelephone_yes >= 0.5 & installmentCommitment >= 3.5 & 
#>             age >= 22.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (duration < 25.5 | is.na(duration)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00745271286) + 
#>     case_when(purpose_furniture.equipment >= 0.5 & duration >= 
#>         23 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         0.0130641684, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         personalStatus_male.single >= 0.5 ~ -0.0112147555, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (age < 33.5 | is.na(age)) & (duration < 23 | is.na(duration)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         -0.00710167736, (creditAmount < 1231.5 | is.na(creditAmount)) & 
#>         age >= 33.5 & (duration < 23 | is.na(duration)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.00243864791, 
#>         creditAmount >= 1231.5 & age >= 33.5 & (duration < 23 | 
#>             is.na(duration)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00969515555, 
#>         employment_X.1 >= 0.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & duration >= 
#>             23 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             0.0087810494, (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & age >= 39.5 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             personalStatus_male.single >= 0.5 ~ 0.00740040606, 
#>         checkingStatus_no.checking >= 0.5 & age >= 39.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00367732556, 
#>         (housing_own < 0.5 | is.na(housing_own)) & residenceSince >= 
#>             3.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & personalStatus_male.single >= 0.5 ~ 0.000309070339, 
#>         housing_own >= 0.5 & residenceSince >= 3.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & personalStatus_male.single >= 0.5 ~ -0.0079204021, 
#>         residenceSince >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (age < 33.5 | is.na(age)) & (duration < 23 | is.na(duration)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             -0.00414054282, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             duration >= 23 & (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) ~ 0.00199985411, 
#>         existingCredits >= 1.5 & (creditAmount < 6214 | is.na(creditAmount)) & 
#>             (age < 39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00154893578, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & creditAmount >= 
#>             6214 & (age < 39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             personalStatus_male.single >= 0.5 ~ 0.00701705785, 
#>         residenceSince >= 2.5 & creditAmount >= 6214 & (age < 
#>             39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.000746337173, 
#>         (age < 24.5 | is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (age < 33.5 | is.na(age)) & (duration < 23 | is.na(duration)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             -0.00233896985, age >= 24.5 & (residenceSince < 3.5 | 
#>             is.na(residenceSince)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (age < 33.5 | is.na(age)) & (duration < 23 | is.na(duration)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             0.00809704792, (housing_own < 0.5 | is.na(housing_own)) & 
#>             residenceSince >= 2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             duration >= 23 & (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) ~ -0.00132904062, 
#>         housing_own >= 0.5 & residenceSince >= 2.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & duration >= 
#>             23 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>             -0.0107592475, (creditAmount < 1549 | is.na(creditAmount)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (creditAmount < 6214 | is.na(creditAmount)) & (age < 
#>             39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00147778483, 
#>         creditAmount >= 1549 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (creditAmount < 6214 | is.na(creditAmount)) & (age < 
#>             39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.0105592459) + 
#>     case_when((age < 40.5 | is.na(age)) & (duration < 15.5 | 
#>         is.na(duration)) & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>         -0.00758987525, age >= 40.5 & (duration < 15.5 | is.na(duration)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>         0.00437458791, purpose_new.car >= 0.5 & duration >= 15.5 & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>         0.0143449185, employment_X..7 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) ~ -0.00267071859, 
#>         (age < 48.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (duration < 13.5 | is.na(duration)) & 
#>             otherPaymentPlans_none >= 0.5 ~ -0.0091415951, age >= 
#>             48.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (duration < 13.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>             0.5 ~ -0.00177365122, (creditAmount < 1539.5 | is.na(creditAmount)) & 
#>             checkingStatus_X.0 >= 0.5 & (duration < 13.5 | is.na(duration)) & 
#>             otherPaymentPlans_none >= 0.5 ~ 0.000796974113, creditAmount >= 
#>             1539.5 & checkingStatus_X.0 >= 0.5 & (duration < 
#>             13.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>             0.5 ~ -0.0054158424, otherParties_guarantor >= 0.5 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             -0.00868732296, (age < 31.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & duration >= 13.5 & otherPaymentPlans_none >= 
#>             0.5 ~ -1.33662061e-05, age >= 31.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & duration >= 13.5 & otherPaymentPlans_none >= 
#>             0.5 ~ -0.00868310872, (savingsStatus_X.100 < 0.5 | 
#>             is.na(savingsStatus_X.100)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & duration >= 15.5 & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>             -0.00149031531, (creditAmount < 3898.5 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & (employment_X..7 < 0.5 | 
#>             is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & duration >= 15.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) ~ 0.00290690199, 
#>         creditAmount >= 3898.5 & savingsStatus_X.100 >= 0.5 & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             duration >= 15.5 & (otherPaymentPlans_none < 0.5 | 
#>             is.na(otherPaymentPlans_none)) ~ 0.010825268, employment_X4..X.7 >= 
#>             0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             -0.00899266731, creditAmount >= 4468 & savingsStatus_X.100 >= 
#>             0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             -0.0024826827, propertyMagnitude_life.insurance >= 
#>             0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             0.00564572029, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditAmount < 4468 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>             0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             0.00073884544, (housing_own < 0.5 | is.na(housing_own)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             0.00342406239, housing_own >= 0.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             -0.0051116785, (age < 27.5 | is.na(age)) & installmentCommitment >= 
#>             2.5 & (creditAmount < 4468 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             0.00287861191, age >= 27.5 & installmentCommitment >= 
#>             2.5 & (creditAmount < 4468 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             duration >= 13.5 & otherPaymentPlans_none >= 0.5 ~ 
#>             0.00820749439) + case_when((age < 24.5 | is.na(age)) & 
#>     (duration < 17 | is.na(duration)) ~ -0.0109817022, creditAmount >= 
#>     3954 & age >= 24.5 & (duration < 17 | is.na(duration)) ~ 
#>     0.00773763889, numDependents >= 1.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & duration >= 17 ~ 
#>     0.00327754696, (age < 25.5 | is.na(age)) & savingsStatus_X.100 >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     duration >= 17 ~ 0.0110274078, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (duration < 21.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>     0.5 & duration >= 17 ~ 0.00813421793, residenceSince >= 2.5 & 
#>     (duration < 21.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>     0.5 & duration >= 17 ~ -0.00323566189, residenceSince >= 
#>     2.5 & duration >= 21.5 & checkingStatus_no.checking >= 0.5 & 
#>     duration >= 17 ~ -0.0107650608, checkingStatus_no.checking >= 
#>     0.5 & (creditAmount < 1137 | is.na(creditAmount)) & (creditAmount < 
#>     3954 | is.na(creditAmount)) & age >= 24.5 & (duration < 17 | 
#>     is.na(duration)) ~ -0.00665364647, savingsStatus_no.known.savings >= 
#>     0.5 & creditAmount >= 1137 & (creditAmount < 3954 | is.na(creditAmount)) & 
#>     age >= 24.5 & (duration < 17 | is.na(duration)) ~ -0.000600744155, 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & age >= 25.5 & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.00579338381, (duration < 29 | is.na(duration)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & duration >= 
#>         21.5 & checkingStatus_no.checking >= 0.5 & duration >= 
#>         17 ~ -0.0075497292, duration >= 29 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & duration >= 21.5 & checkingStatus_no.checking >= 
#>         0.5 & duration >= 17 ~ 0.00260701822, (creditAmount < 
#>         756.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         1137 | is.na(creditAmount)) & (creditAmount < 3954 | 
#>         is.na(creditAmount)) & age >= 24.5 & (duration < 17 | 
#>         is.na(duration)) ~ 0.000380942511, creditAmount >= 756.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 1137 | is.na(creditAmount)) & (creditAmount < 
#>         3954 | is.na(creditAmount)) & age >= 24.5 & (duration < 
#>         17 | is.na(duration)) ~ 0.00612150226, (creditAmount < 
#>         2190.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         1137 & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         age >= 24.5 & (duration < 17 | is.na(duration)) ~ -0.011223116, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00283856783, existingCredits >= 1.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.00342310918, (creditAmount < 5289 | is.na(creditAmount)) & 
#>         personalStatus_male.single >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.0109889563, creditAmount >= 5289 & personalStatus_male.single >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ -0.000846853363, (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 2190.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 1137 & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         age >= 24.5 & (duration < 17 | is.na(duration)) ~ -0.00710690906, 
#>     ownTelephone_yes >= 0.5 & creditAmount >= 2190.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         1137 & (creditAmount < 3954 | is.na(creditAmount)) & 
#>         age >= 24.5 & (duration < 17 | is.na(duration)) ~ 0.00306278258, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & residenceSince >= 
#>         1.5 & age >= 25.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.00300036161, age >= 56 & employment_X..7 >= 0.5 & 
#>         residenceSince >= 1.5 & age >= 25.5 & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ 0.00415920233, (age < 30 | is.na(age)) & 
#>         installmentCommitment >= 2.5 & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & residenceSince >= 1.5 & age >= 
#>         25.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00374522689, age >= 30 & installmentCommitment >= 
#>         2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         residenceSince >= 1.5 & age >= 25.5 & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 17 ~ 0.0117414976, (age < 40.5 | is.na(age)) & 
#>         (age < 56 | is.na(age)) & employment_X..7 >= 0.5 & residenceSince >= 
#>         1.5 & age >= 25.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ 0.00153683673, age >= 40.5 & (age < 56 | is.na(age)) & 
#>         employment_X..7 >= 0.5 & residenceSince >= 1.5 & age >= 
#>         25.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         17 ~ -0.00616541551) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) ~ 0.00821206346, 
#>     (creditAmount < 2715 | is.na(creditAmount)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & housing_rent >= 
#>         0.5 ~ -0.000514870626, creditAmount >= 2715 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & housing_rent >= 
#>         0.5 ~ -0.00460869912, (creditAmount < 1269.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & housing_rent >= 0.5 ~ 
#>         -0.00266987388, purpose_new.car >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ 0.00747079542, (age < 31.5 | 
#>         is.na(age)) & creditAmount >= 1269.5 & installmentCommitment >= 
#>         2.5 & housing_rent >= 0.5 ~ 0.0105216131, age >= 31.5 & 
#>         creditAmount >= 1269.5 & installmentCommitment >= 2.5 & 
#>         housing_rent >= 0.5 ~ 0.000703971193, (duration < 12.5 | 
#>         is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) ~ 0.00439252239, 
#>     (duration < 11 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.00973865762, propertyMagnitude_life.insurance >= 
#>         0.5 & duration >= 12.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) ~ -0.00775079289, 
#>     checkingStatus_no.checking >= 0.5 & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.00932799, savingsStatus_X100..X.500 >= 
#>         0.5 & job_skilled >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) ~ -0.0022651765, 
#>     (creditAmount < 1951.5 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & duration >= 
#>         12.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) ~ 0.00569028407, 
#>     creditAmount >= 1951.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & duration >= 
#>         12.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) ~ -0.00317148794, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) ~ 0.00164095324, 
#>     purpose_radio.tv >= 0.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.00419160398, checkingStatus_no.checking >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         job_skilled >= 0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.0105517125, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (age < 30.5 | 
#>         is.na(age)) & duration >= 11 & checkingStatus_X.0 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ 0.00207635993, creditHistory_existing.paid >= 
#>         0.5 & (age < 30.5 | is.na(age)) & duration >= 11 & checkingStatus_X.0 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.00747195771, (creditAmount < 
#>         2468.5 | is.na(creditAmount)) & age >= 30.5 & duration >= 
#>         11 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) ~ 0.00847665034, 
#>     creditAmount >= 2468.5 & age >= 30.5 & duration >= 11 & checkingStatus_X.0 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.00106551463, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & job_skilled >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.0039557335, residenceSince >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         job_skilled >= 0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) ~ -0.00914012827) + case_when(creditHistory_all.paid >= 
#>     0.5 & (duration < 25.5 | is.na(duration)) ~ 0.00666401023, 
#>     purpose_new.car >= 0.5 & duration >= 25.5 ~ 0.00878128968, 
#>     propertyMagnitude_no.known.property >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 25.5 ~ 0.00631117821, 
#>     personalStatus_male.div.sep >= 0.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (duration < 25.5 | is.na(duration)) ~ 
#>         0.00390056986, savingsStatus_no.known.savings >= 0.5 & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ 0.000223477677, (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (creditAmount < 2234.5 | is.na(creditAmount)) & 
#>         existingCredits >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (duration < 25.5 | is.na(duration)) ~ 
#>         -0.00792745873, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         creditAmount >= 2234.5 & existingCredits >= 1.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ -0.00365914823, (duration < 40.5 | 
#>         is.na(duration)) & checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 25.5 ~ -0.0013961175, 
#>     duration >= 40.5 & checkingStatus_X.0 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 25.5 ~ 0.00577464979, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         job_skilled >= 0.5 & (creditAmount < 2234.5 | is.na(creditAmount)) & 
#>         existingCredits >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (duration < 25.5 | is.na(duration)) ~ 
#>         -0.000621218816, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         job_skilled >= 0.5 & creditAmount >= 2234.5 & existingCredits >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ 0.00113387068, 
#>     checkingStatus_X.0 >= 0.5 & job_skilled >= 0.5 & creditAmount >= 
#>         2234.5 & existingCredits >= 1.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ 0.00955432188, (age < 31.5 | is.na(age)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         25.5 ~ -0.00184861571, age >= 31.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 25.5 ~ -0.0107671898, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         25.5 ~ 0.005374962, ownTelephone_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>         25.5 ~ -0.00815003645, numDependents >= 1.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ -0.00141013192, (duration < 11 | is.na(duration)) & 
#>         purpose_new.car >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ -0.00759335002, duration >= 11 & purpose_new.car >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ -0.000949817477, (age < 35.5 | is.na(age)) & 
#>         savingsStatus_X.100 >= 0.5 & job_skilled >= 0.5 & (creditAmount < 
#>         2234.5 | is.na(creditAmount)) & existingCredits >= 1.5 & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ -0.00077324704, 
#>     age >= 35.5 & savingsStatus_X.100 >= 0.5 & job_skilled >= 
#>         0.5 & (creditAmount < 2234.5 | is.na(creditAmount)) & 
#>         existingCredits >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (duration < 25.5 | is.na(duration)) ~ 
#>         -0.00954833068, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ -0.00524342898, creditHistory_existing.paid >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 25.5 | 
#>         is.na(duration)) ~ -0.0116974721) + case_when((duration < 
#>     8.5 | is.na(duration)) ~ -0.00892702304, (duration < 12.5 | 
#>     is.na(duration)) & employment_X.1 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & duration >= 8.5 ~ 
#>     0.0118410438, (duration < 19.5 | is.na(duration)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_no.checking >= 
#>     0.5 & duration >= 8.5 ~ 0.00288409973, duration >= 19.5 & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     checkingStatus_no.checking >= 0.5 & duration >= 8.5 ~ -0.00166433107, 
#>     (otherParties_none < 0.5 | is.na(otherParties_none)) & housing_own >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 8.5 ~ -0.00816384796, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         12.5 & employment_X.1 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ 0.00134061533, checkingStatus_X0..X.200 >= 0.5 & 
#>         duration >= 12.5 & employment_X.1 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ 0.00701699778, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 21.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & duration >= 
#>         8.5 ~ -0.00798499864, (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>         21.5 & otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & duration >= 8.5 ~ -0.010777005, job_high.qualif.self.emp.mgmt >= 
#>         0.5 & duration >= 21.5 & otherPaymentPlans_none >= 0.5 & 
#>         checkingStatus_no.checking >= 0.5 & duration >= 8.5 ~ 
#>         -0.000817248656, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ -0.00340040936, checkingStatus_X0..X.200 >= 0.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ 0.00142890716, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         installmentCommitment >= 3.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ 0.00968573987, ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>         3.5 & (housing_own < 0.5 | is.na(housing_own)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ -0.0020763108, job_high.qualif.self.emp.mgmt >= 
#>         0.5 & otherParties_none >= 0.5 & housing_own >= 0.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ 0.00396644045, (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & installmentCommitment >= 
#>         3.5 & (duration < 21.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & duration >= 
#>         8.5 ~ 0.00399323646, personalStatus_male.single >= 0.5 & 
#>         installmentCommitment >= 3.5 & (duration < 21.5 | is.na(duration)) & 
#>         otherPaymentPlans_none >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & duration >= 8.5 ~ -0.00147824385, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & otherParties_none >= 
#>         0.5 & housing_own >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 8.5 ~ 0.00131223688, existingCredits >= 1.5 & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & otherParties_none >= 
#>         0.5 & housing_own >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         duration >= 8.5 ~ -0.00555791613, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & residenceSince >= 3.5 & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         otherParties_none >= 0.5 & housing_own >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ -0.0109407902, existingCredits >= 1.5 & residenceSince >= 
#>         3.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         otherParties_none >= 0.5 & housing_own >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         8.5 ~ 0.000939923513) + case_when(age >= 30.5 & (duration < 
#>     11.5 | is.na(duration)) ~ -0.0112231243, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (age < 30.5 | is.na(age)) & 
#>     (duration < 11.5 | is.na(duration)) ~ -0.00659850519, installmentCommitment >= 
#>     2.5 & (age < 30.5 | is.na(age)) & (duration < 11.5 | is.na(duration)) ~ 
#>     0.0027722402, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     duration >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     duration >= 11.5 ~ -0.00793654844, (residenceSince < 3.5 | 
#>     is.na(residenceSince)) & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     numDependents >= 1.5 & duration >= 11.5 ~ -0.00486326171, 
#>     residenceSince >= 3.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         numDependents >= 1.5 & duration >= 11.5 ~ 0.0013489835, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & installmentCommitment >= 
#>         3.5 & numDependents >= 1.5 & duration >= 11.5 ~ 0.0128642069, 
#>     job_skilled >= 0.5 & installmentCommitment >= 3.5 & numDependents >= 
#>         1.5 & duration >= 11.5 ~ 0.00225803745, (creditAmount < 
#>         1846.5 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ -0.0105246073, 
#>     creditAmount >= 1203.5 & (creditAmount < 1301.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 25.5 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ 0.00869982876, 
#>     (creditAmount < 2400.5 | is.na(creditAmount)) & creditAmount >= 
#>         1846.5 & checkingStatus_no.checking >= 0.5 & (duration < 
#>         25.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ 0.00040397339, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & residenceSince >= 
#>         1.5 & duration >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ -0.00715767546, ownTelephone_none >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         residenceSince >= 1.5 & duration >= 25.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ 0.00205640635, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 2.5 & residenceSince >= 1.5 & 
#>         duration >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ 0.00209830422, (creditAmount < 800.5 | 
#>         is.na(creditAmount)) & (creditAmount < 1203.5 | is.na(creditAmount)) & 
#>         (creditAmount < 1301.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         25.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ 0.00169495412, creditAmount >= 800.5 & 
#>         (creditAmount < 1203.5 | is.na(creditAmount)) & (creditAmount < 
#>         1301.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         25.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ -0.0049397517, personalStatus_male.single >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         creditAmount >= 1301.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         25.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ -0.00955148134, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & purpose_furniture.equipment >= 
#>         0.5 & creditAmount >= 1301.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         25.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ 0.00604900206, personalStatus_male.single >= 
#>         0.5 & purpose_furniture.equipment >= 0.5 & creditAmount >= 
#>         1301.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 25.5 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ -0.00465889554, 
#>     (duration < 21.5 | is.na(duration)) & creditAmount >= 2400.5 & 
#>         creditAmount >= 1846.5 & checkingStatus_no.checking >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ -0.00176494138, 
#>     duration >= 21.5 & creditAmount >= 2400.5 & creditAmount >= 
#>         1846.5 & checkingStatus_no.checking >= 0.5 & (duration < 
#>         25.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ -0.00868555438, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & savingsStatus_X.100 >= 
#>         0.5 & installmentCommitment >= 2.5 & residenceSince >= 
#>         1.5 & duration >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         duration >= 11.5 ~ 0.0118475277, personalStatus_male.single >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>         2.5 & residenceSince >= 1.5 & duration >= 25.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ 0.00503705721, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1301.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 25.5 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ -0.00561641017, 
#>     residenceSince >= 2.5 & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1301.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 25.5 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & duration >= 11.5 ~ -0.00201091776) + 
#>     case_when(housing_for.free >= 0.5 & (duration < 15.5 | is.na(duration)) ~ 
#>         0.00157148612, job_unskilled.resident >= 0.5 & employment_X.1 >= 
#>         0.5 & duration >= 15.5 ~ 0.0133235054, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & checkingStatus_no.checking >= 
#>         0.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.0101006124, 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ -0.00803640205, purpose_new.car >= 
#>             0.5 & otherPaymentPlans_bank >= 0.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & duration >= 15.5 ~ 
#>             0.0114122517, (age < 28.5 | is.na(age)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & employment_X.1 >= 
#>             0.5 & duration >= 15.5 ~ 0.00769090792, age >= 28.5 & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             employment_X.1 >= 0.5 & duration >= 15.5 ~ 0.000862204703, 
#>         creditAmount >= 971 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.00972159021, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 15.5 | 
#>             is.na(duration)) ~ 0.00499492418, employment_X1..X.4 >= 
#>             0.5 & purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 15.5 | 
#>             is.na(duration)) ~ -0.00629652897, (creditAmount < 
#>             1473.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 15.5 | 
#>             is.na(duration)) ~ -0.00544172106, creditAmount >= 
#>             1473.5 & creditHistory_existing.paid >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.00198729686, 
#>         purpose_new.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ 0.00443331944, (duration < 22.5 | 
#>             is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             otherPaymentPlans_bank >= 0.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & duration >= 15.5 ~ 
#>             -0.00376962475, duration >= 22.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ 0.00284144515, (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (creditAmount < 
#>             971 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (duration < 15.5 | 
#>             is.na(duration)) ~ 0.00197118032, job_unskilled.resident >= 
#>             0.5 & (creditAmount < 971 | is.na(creditAmount)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.000178516842, 
#>         (age < 39.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ 0.00328339334, age >= 39.5 & checkingStatus_X.0 >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ -0.00287731853, (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ -0.00342242885, ownTelephone_yes >= 
#>             0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ -0.0106388647, (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ -0.00608577486, installmentCommitment >= 
#>             3.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 15.5 ~ 0.00607955549) + case_when(otherParties_guarantor >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00808764622, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00827160385, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & personalStatus_male.single >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00783359259, ownTelephone_none >= 0.5 & personalStatus_male.single >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0040908088, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (duration < 14.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0103246039, creditAmount >= 10509.5 & duration >= 14.5 & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00526470179, (creditAmount < 
#>     1372.5 | is.na(creditAmount)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00192382303, purpose_used.car >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.0022745661, (creditAmount < 
#>     1211 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (duration < 14.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00627653208, creditAmount >= 1211 & checkingStatus_X0..X.200 >= 
#>     0.5 & (duration < 14.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000720272074, numDependents >= 1.5 & (creditAmount < 10509.5 | 
#>     is.na(creditAmount)) & duration >= 14.5 & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00222146185, (creditAmount < 2912 | is.na(creditAmount)) & 
#>     creditAmount >= 1372.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.0105649633, creditAmount >= 
#>     2912 & creditAmount >= 1372.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.000366343302, (duration < 11.5 | is.na(duration)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & savingsStatus_X.100 >= 0.5 & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00120134314, employment_X4..X.7 >= 
#>     0.5 & (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>     10509.5 | is.na(creditAmount)) & duration >= 14.5 & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0100203389, savingsStatus_X100..X.500 >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (numDependents < 1.5 | 
#>     is.na(numDependents)) & (creditAmount < 10509.5 | is.na(creditAmount)) & 
#>     duration >= 14.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.0035863244, purpose_radio.tv >= 
#>     0.5 & (age < 28.5 | is.na(age)) & duration >= 11.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & savingsStatus_X.100 >= 0.5 & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00166019402, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 28.5 & duration >= 11.5 & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0128884809, creditHistory_critical.other.existing.credit >= 
#>     0.5 & age >= 28.5 & duration >= 11.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & savingsStatus_X.100 >= 0.5 & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00332087115, (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (numDependents < 1.5 | 
#>     is.na(numDependents)) & (creditAmount < 10509.5 | is.na(creditAmount)) & 
#>     duration >= 14.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0062702354, creditHistory_delayed.previously >= 
#>     0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>     10509.5 | is.na(creditAmount)) & duration >= 14.5 & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00165211165, (duration < 20.5 | is.na(duration)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (age < 28.5 | is.na(age)) & 
#>     duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00194796384, duration >= 20.5 & (purpose_radio.tv < 0.5 | 
#>     is.na(purpose_radio.tv)) & (age < 28.5 | is.na(age)) & duration >= 
#>     11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00665502576) + case_when((age < 24.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00396350445, purpose_new.car >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00116256671, (duration < 16.5 | 
#>     is.na(duration)) & (age < 30.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00720373495, age >= 
#>     52 & age >= 30.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00284673111, (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (age < 25.5 | is.na(age)) & checkingStatus_X0..X.200 >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.009166345, propertyMagnitude_real.estate >= 0.5 & (age < 
#>     25.5 | is.na(age)) & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00113068731, employment_X..7 >= 
#>     0.5 & age >= 25.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00509871077, propertyMagnitude_car >= 
#>     0.5 & age >= 24.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.009796937, (age < 27.5 | is.na(age)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.000749541563, age >= 
#>     27.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00844617188, propertyMagnitude_real.estate >= 0.5 & 
#>     duration >= 16.5 & (age < 30.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00891111046, residenceSince >= 
#>     2.5 & (age < 52 | is.na(age)) & age >= 30.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0104484148, purpose_furniture.equipment >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     age >= 25.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00127897994, purpose_furniture.equipment >= 
#>     0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     age >= 24.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00212065852, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>     16.5 & (age < 30.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00617699325, installmentCommitment >= 
#>     3.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     duration >= 16.5 & (age < 30.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00155488774, (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (age < 52 | is.na(age)) & 
#>     age >= 30.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0038809313, otherPaymentPlans_none >= 0.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (age < 52 | is.na(age)) & 
#>     age >= 30.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00757667329, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & age >= 
#>     25.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0104561318, job_unskilled.resident >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & age >= 
#>     25.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00189580664, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & age >= 24.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.000516233908, installmentCommitment >= 
#>     3.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     age >= 24.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0077522574) + case_when((age < 
#>     29.5 | is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     duration >= 31.5 ~ 0.00404345384, age >= 29.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & duration >= 31.5 ~ 
#>     -0.00453885319, (age < 29.5 | is.na(age)) & installmentCommitment >= 
#>     2.5 & duration >= 31.5 ~ 0.013133782, age >= 29.5 & duration >= 
#>     16.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (duration < 31.5 | is.na(duration)) ~ 0.00907627121, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (creditAmount < 3310 | is.na(creditAmount)) & 
#>     ownTelephone_yes >= 0.5 & (duration < 31.5 | is.na(duration)) ~ 
#>     -0.0106182033, (age < 38.5 | is.na(age)) & creditAmount >= 
#>     3310 & ownTelephone_yes >= 0.5 & (duration < 31.5 | is.na(duration)) ~ 
#>     -0.00831416622, age >= 38.5 & creditAmount >= 3310 & ownTelephone_yes >= 
#>     0.5 & (duration < 31.5 | is.na(duration)) ~ 0.00514182355, 
#>     (age < 36.5 | is.na(age)) & age >= 29.5 & installmentCommitment >= 
#>         2.5 & duration >= 31.5 ~ -0.00437809993, age >= 36.5 & 
#>         age >= 29.5 & installmentCommitment >= 2.5 & duration >= 
#>         31.5 ~ 0.00662921136, (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & creditAmount >= 1145 & 
#>         (duration < 16.5 | is.na(duration)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (duration < 31.5 | is.na(duration)) ~ 
#>         -0.0101136621, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 29.5 | is.na(age)) & duration >= 16.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (duration < 31.5 | is.na(duration)) ~ 
#>         -0.00766362296, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         existingCredits >= 1.5 & (creditAmount < 3310 | is.na(creditAmount)) & 
#>         ownTelephone_yes >= 0.5 & (duration < 31.5 | is.na(duration)) ~ 
#>         -0.000891161617, creditHistory_critical.other.existing.credit >= 
#>         0.5 & existingCredits >= 1.5 & (creditAmount < 3310 | 
#>         is.na(creditAmount)) & ownTelephone_yes >= 0.5 & (duration < 
#>         31.5 | is.na(duration)) ~ -0.00573714077, (creditAmount < 
#>         775.5 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1145 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ 0.000394480478, 
#>     creditAmount >= 775.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1145 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ 0.011796169, (age < 
#>         27.5 | is.na(age)) & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1145 | is.na(creditAmount)) & (duration < 
#>         16.5 | is.na(duration)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ -0.00699873781, 
#>     age >= 27.5 & propertyMagnitude_real.estate >= 0.5 & (creditAmount < 
#>         1145 | is.na(creditAmount)) & (duration < 16.5 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ 0.0014429423, (creditAmount < 
#>         1890 | is.na(creditAmount)) & installmentCommitment >= 
#>         2.5 & creditAmount >= 1145 & (duration < 16.5 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ -0.00638269214, 
#>     creditAmount >= 1890 & installmentCommitment >= 2.5 & creditAmount >= 
#>         1145 & (duration < 16.5 | is.na(duration)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (duration < 31.5 | is.na(duration)) ~ 
#>         -0.000658173405, (age < 23.5 | is.na(age)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 29.5 | is.na(age)) & duration >= 16.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ 0.0131252492, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 & (age < 29.5 | is.na(age)) & duration >= 16.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ -0.00532728666, 
#>     residenceSince >= 3.5 & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 & (age < 29.5 | is.na(age)) & duration >= 16.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 31.5 | is.na(duration)) ~ 0.00261899084) + 
#>     case_when(purpose_education >= 0.5 & (creditAmount < 6751.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.000107269851, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditAmount >= 6751.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ 0.0103114182, (duration < 
#>         33 | is.na(duration)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 6751.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00373565755, duration >= 
#>         33 & personalStatus_male.single >= 0.5 & creditAmount >= 
#>         6751.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00875411276, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (duration < 16.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00797311775, purpose_new.car >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (duration < 
#>         16.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.000146191567, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & personalStatus_male.single >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00113535346, creditHistory_existing.paid >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (duration < 
#>         16.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00329597178, (creditAmount < 2530.5 | is.na(creditAmount)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 16.5 & checkingStatus_X.0 >= 0.5 ~ 0.00101341552, 
#>         creditAmount >= 2530.5 & (savingsStatus_X.100 < 0.5 | 
#>             is.na(savingsStatus_X.100)) & duration >= 16.5 & 
#>             checkingStatus_X.0 >= 0.5 ~ -0.00496207597, (job_skilled < 
#>             0.5 | is.na(job_skilled)) & savingsStatus_X.100 >= 
#>             0.5 & duration >= 16.5 & checkingStatus_X.0 >= 0.5 ~ 
#>             -0.00138937542, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             duration >= 25.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00346563291, 
#>         employment_X1..X.4 >= 0.5 & duration >= 25.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.00371412537, 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             job_skilled >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>             duration >= 16.5 & checkingStatus_X.0 >= 0.5 ~ 0.00950812362, 
#>         propertyMagnitude_life.insurance >= 0.5 & job_skilled >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & duration >= 16.5 & 
#>             checkingStatus_X.0 >= 0.5 ~ 0.0036218788, job_skilled >= 
#>             0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (duration < 25.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0100635951, 
#>         (duration < 11.5 | is.na(duration)) & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (duration < 
#>             25.5 | is.na(duration)) & (purpose_education < 0.5 | 
#>             is.na(purpose_education)) & (creditAmount < 6751.5 | 
#>             is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.00838832743, ownTelephone_yes >= 
#>             0.5 & (age < 31.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.00431412179, 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & age >= 
#>             31.5 & checkingStatus_X0..X.200 >= 0.5 & (duration < 
#>             25.5 | is.na(duration)) & (purpose_education < 0.5 | 
#>             is.na(purpose_education)) & (creditAmount < 6751.5 | 
#>             is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.00354202231, existingCredits >= 
#>             1.5 & age >= 31.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>             (duration < 25.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0104645677, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             duration >= 11.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (duration < 25.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.00232065306, 
#>         creditHistory_existing.paid >= 0.5 & duration >= 11.5 & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (duration < 
#>             25.5 | is.na(duration)) & (purpose_education < 0.5 | 
#>             is.na(purpose_education)) & (creditAmount < 6751.5 | 
#>             is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) ~ -0.00710802339, (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (age < 31.5 | is.na(age)) & 
#>             checkingStatus_X0..X.200 >= 0.5 & (duration < 25.5 | 
#>             is.na(duration)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.000207872654, 
#>         savingsStatus_X.100 >= 0.5 & (ownTelephone_yes < 0.5 | 
#>             is.na(ownTelephone_yes)) & (age < 31.5 | is.na(age)) & 
#>             checkingStatus_X0..X.200 >= 0.5 & (duration < 25.5 | 
#>             is.na(duration)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 6751.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00666417461) + 
#>     case_when(propertyMagnitude_real.estate >= 0.5 & purpose_radio.tv >= 
#>         0.5 ~ -0.0104397554, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_used.car >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00819873717, personalStatus_female.div.dep.mar >= 
#>         0.5 & purpose_used.car >= 0.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) ~ 0.00255177217, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & savingsStatus_no.known.savings >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00649247272, (creditAmount < 2462 | is.na(creditAmount)) & 
#>         (age < 26.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & purpose_radio.tv >= 
#>         0.5 ~ 0.000438721472, creditAmount >= 2462 & (age < 26.5 | 
#>         is.na(age)) & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & purpose_radio.tv >= 
#>         0.5 ~ 0.0062618223, (creditAmount < 1314.5 | is.na(creditAmount)) & 
#>         age >= 26.5 & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & purpose_radio.tv >= 
#>         0.5 ~ 0.00115733186, (creditAmount < 1150 | is.na(creditAmount)) & 
#>         (duration < 11.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00193526596, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & installmentCommitment >= 
#>         3.5 & savingsStatus_no.known.savings >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00429959409, job_skilled >= 
#>         0.5 & installmentCommitment >= 3.5 & savingsStatus_no.known.savings >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00260251062, (duration < 29 | is.na(duration)) & creditAmount >= 
#>         1314.5 & age >= 26.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & purpose_radio.tv >= 
#>         0.5 ~ -0.0100932932, duration >= 29 & creditAmount >= 
#>         1314.5 & age >= 26.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & purpose_radio.tv >= 
#>         0.5 ~ -0.00405703997, (creditAmount < 1420 | is.na(creditAmount)) & 
#>         creditAmount >= 1150 & (duration < 11.5 | is.na(duration)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00924046151, creditAmount >= 1420 & creditAmount >= 
#>         1150 & (duration < 11.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00140687637, (creditAmount < 
#>         3817.5 | is.na(creditAmount)) & (residenceSince < 1.5 | 
#>         is.na(residenceSince)) & duration >= 11.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00413495582, creditAmount >= 
#>         3817.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         duration >= 11.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00799791515, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 
#>         4205 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         duration >= 11.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00830821041, checkingStatus_X0..X.200 >= 
#>         0.5 & creditAmount >= 4205 & residenceSince >= 1.5 & 
#>         duration >= 11.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.0116048418, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 4205 | is.na(creditAmount)) & residenceSince >= 
#>         1.5 & duration >= 11.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00308971154, job_skilled >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>         4205 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         duration >= 11.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00237492309, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>         4205 & residenceSince >= 1.5 & duration >= 11.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00193703175, checkingStatus_X.0 >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         creditAmount >= 4205 & residenceSince >= 1.5 & duration >= 
#>         11.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00623464398) + case_when((residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     0.00316521781, residenceSince >= 2.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ -0.00937216356, (duration < 
#>     15.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.0018204709, creditAmount >= 
#>     11964.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.00389803993, (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & duration >= 
#>     15.5 & savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.0103832567, propertyMagnitude_no.known.property >= 
#>     0.5 & duration >= 15.5 & savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.0014931832, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>     -0.00796863157, age >= 36 & propertyMagnitude_life.insurance >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ -0.00927494373, purpose_furniture.equipment >= 0.5 & 
#>     (duration < 14.5 | is.na(duration)) & (creditAmount < 11964.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.0037176013, purpose_furniture.equipment >= 
#>     0.5 & duration >= 14.5 & (creditAmount < 11964.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.00374573795, (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>     36 | is.na(age)) & propertyMagnitude_life.insurance >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>     0.000302708562, personalStatus_female.div.dep.mar >= 0.5 & 
#>     (age < 36 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ -0.00390000455, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (duration < 14.5 | is.na(duration)) & (creditAmount < 11964.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.0107658925, installmentCommitment >= 
#>     3.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (duration < 14.5 | is.na(duration)) & (creditAmount < 11964.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00532498118, housing_rent >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     duration >= 14.5 & (creditAmount < 11964.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00140631886, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X.0 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ 0.0013847606, (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & job_unskilled.resident >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>     0.00170466246, purpose_new.car >= 0.5 & job_unskilled.resident >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>     -0.0024939843, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & installmentCommitment >= 
#>     2.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>     0.00488275615, personalStatus_female.div.dep.mar >= 0.5 & 
#>     installmentCommitment >= 2.5 & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X.0 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ 0.0110778315, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (age < 38.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     duration >= 14.5 & (creditAmount < 11964.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.0103433561, creditHistory_critical.other.existing.credit >= 
#>     0.5 & (age < 38.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     duration >= 14.5 & (creditAmount < 11964.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00146162102, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 38.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     duration >= 14.5 & (creditAmount < 11964.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.00128011417, creditHistory_critical.other.existing.credit >= 
#>     0.5 & age >= 38.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     duration >= 14.5 & (creditAmount < 11964.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00500752637) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00956559833, age >= 44.5 & otherPaymentPlans_bank >= 0.5 ~ 
#>     -0.00573045015, purpose_new.car >= 0.5 & (age < 44.5 | is.na(age)) & 
#>     otherPaymentPlans_bank >= 0.5 ~ 0.0120666558, age >= 29.5 & 
#>     (duration < 11.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.0109913442, age >= 
#>     33.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (age < 44.5 | is.na(age)) & otherPaymentPlans_bank >= 0.5 ~ 
#>     0.00663397601, (age < 25.5 | is.na(age)) & (age < 29.5 | 
#>     is.na(age)) & (duration < 11.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00928240363, age >= 
#>     25.5 & (age < 29.5 | is.na(age)) & (duration < 11.5 | is.na(duration)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.000948693953, employment_unemployed >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00826453697, (age < 
#>     40.5 | is.na(age)) & purpose_used.car >= 0.5 & duration >= 
#>     11.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.0110249277, age >= 40.5 & purpose_used.car >= 0.5 & duration >= 
#>     11.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.00420483807, (age < 27.5 | is.na(age)) & (age < 33.5 | 
#>     is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (age < 44.5 | is.na(age)) & otherPaymentPlans_bank >= 0.5 ~ 
#>     0.00403784169, age >= 27.5 & (age < 33.5 | is.na(age)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (age < 
#>     44.5 | is.na(age)) & otherPaymentPlans_bank >= 0.5 ~ -0.00807530992, 
#>     (creditAmount < 1391.5 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         3914 | is.na(creditAmount)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00150359317, 
#>     creditAmount >= 1391.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         3914 | is.na(creditAmount)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00736833923, 
#>     (creditAmount < 1243 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 3914 | is.na(creditAmount)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00432805112, 
#>     creditAmount >= 1243 & propertyMagnitude_real.estate >= 0.5 & 
#>         (creditAmount < 3914 | is.na(creditAmount)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00368657871, 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (duration < 37.5 | is.na(duration)) & creditAmount >= 
#>         3914 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00877846777, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (duration < 
#>         37.5 | is.na(duration)) & creditAmount >= 3914 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00132128503, 
#>     (creditAmount < 7325 | is.na(creditAmount)) & duration >= 
#>         37.5 & creditAmount >= 3914 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00182301388, 
#>     creditAmount >= 7325 & duration >= 37.5 & creditAmount >= 
#>         3914 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 11.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00961151719) + 
#>     case_when(creditAmount >= 983 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.0090894457, (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (duration < 15.5 | is.na(duration)) ~ -0.00287280884, 
#>         ownTelephone_yes >= 0.5 & propertyMagnitude_no.known.property >= 
#>             0.5 & (duration < 15.5 | is.na(duration)) ~ 0.00391084049, 
#>         (creditAmount < 6597 | is.na(creditAmount)) & purpose_used.car >= 
#>             0.5 & duration >= 15.5 ~ -0.00959385838, creditAmount >= 
#>             6597 & purpose_used.car >= 0.5 & duration >= 15.5 ~ 
#>             -0.00146437506, checkingStatus_X0..X.200 >= 0.5 & 
#>             (creditAmount < 983 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (duration < 15.5 | is.na(duration)) ~ 0.00327479024, 
#>         checkingStatus_X0..X.200 >= 0.5 & (residenceSince < 1.5 | 
#>             is.na(residenceSince)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & duration >= 15.5 ~ -0.00948982034, 
#>         (creditAmount < 690 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>             983 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.00906102732, 
#>         creditAmount >= 690 & (checkingStatus_X0..X.200 < 0.5 | 
#>             is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>             983 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.00121404487, 
#>         (age < 32.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             -0.00237665442, age >= 32.5 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             0.00266237766, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>             savingsStatus_X.100 >= 0.5 & residenceSince >= 1.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.00384359295, savingsStatus_X100..X.500 >= 
#>             0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             residenceSince >= 1.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & duration >= 15.5 ~ 0.00652092695, 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             ownTelephone_yes >= 0.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & residenceSince >= 
#>             1.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.0109644793, propertyMagnitude_car >= 
#>             0.5 & ownTelephone_yes >= 0.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & residenceSince >= 
#>             1.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.000859215565, (housing_own < 
#>             0.5 | is.na(housing_own)) & installmentCommitment >= 
#>             1.5 & savingsStatus_X.100 >= 0.5 & residenceSince >= 
#>             1.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.0128362244, (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & residenceSince >= 
#>             1.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.00376417604, propertyMagnitude_car >= 
#>             0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             residenceSince >= 1.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & duration >= 15.5 ~ -0.00643583061, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & housing_own >= 
#>             0.5 & installmentCommitment >= 1.5 & savingsStatus_X.100 >= 
#>             0.5 & residenceSince >= 1.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             0.0096882293, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             residenceSince >= 2.5 & housing_own >= 0.5 & installmentCommitment >= 
#>             1.5 & savingsStatus_X.100 >= 0.5 & residenceSince >= 
#>             1.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.000909061986, ownTelephone_none >= 
#>             0.5 & residenceSince >= 2.5 & housing_own >= 0.5 & 
#>             installmentCommitment >= 1.5 & savingsStatus_X.100 >= 
#>             0.5 & residenceSince >= 1.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             0.00635354267) + case_when(job_high.qualif.self.emp.mgmt >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00483580912, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 7902 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000944981177, savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>     7902 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0090839332, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00735621201, (duration < 14.5 | 
#>     is.na(duration)) & job_unskilled.resident >= 0.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00347713172, duration >= 14.5 & job_unskilled.resident >= 
#>     0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & (creditAmount < 
#>     7902 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00754598621, duration >= 29 & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     residenceSince >= 2.5 & (creditAmount < 7902 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000345075823, (age < 30 | is.na(age)) & employment_X1..X.4 >= 
#>     0.5 & residenceSince >= 2.5 & (creditAmount < 7902 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00288913003, age >= 30 & employment_X1..X.4 >= 0.5 & residenceSince >= 
#>     2.5 & (creditAmount < 7902 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00520315114, duration >= 
#>     16.5 & (creditAmount < 2138.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     1.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00310655776, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & creditAmount >= 
#>     2138.5 & installmentCommitment >= 1.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0120667834, duration >= 25.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00177493657, (duration < 16.5 | is.na(duration)) & propertyMagnitude_life.insurance >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (creditAmount < 
#>     7902 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00305041671, duration >= 16.5 & 
#>     propertyMagnitude_life.insurance >= 0.5 & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00192293373, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (duration < 29 | is.na(duration)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & residenceSince >= 2.5 & 
#>     (creditAmount < 7902 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00478822272, residenceSince >= 
#>     3.5 & (duration < 29 | is.na(duration)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & residenceSince >= 2.5 & 
#>     (creditAmount < 7902 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00979781896, (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (duration < 16.5 | is.na(duration)) & 
#>     (creditAmount < 2138.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     1.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.0054756212, employment_X.1 >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) & (creditAmount < 
#>     2138.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     1.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.000201617644, (duration < 26 | 
#>     is.na(duration)) & creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>     2138.5 & installmentCommitment >= 1.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0015281596, duration >= 26 & creditHistory_existing.paid >= 
#>     0.5 & creditAmount >= 2138.5 & installmentCommitment >= 1.5 & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00590933627, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (duration < 25.5 | is.na(duration)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (creditAmount < 
#>     7902 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.010791067, (duration < 13.5 | 
#>     is.na(duration)) & savingsStatus_X.100 >= 0.5 & (duration < 
#>     25.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000445548736, duration >= 13.5 & savingsStatus_X.100 >= 
#>     0.5 & (duration < 25.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (creditAmount < 7902 | is.na(creditAmount)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00607514568) + case_when((residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     -0.00785898697, (creditAmount < 2055 | is.na(creditAmount)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     residenceSince >= 1.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     0.00361901778, (age < 39.5 | is.na(age)) & savingsStatus_X.100 >= 
#>     0.5 & residenceSince >= 1.5 & (otherPaymentPlans_none < 0.5 | 
#>     is.na(otherPaymentPlans_none)) ~ 0.0103374636, age >= 39.5 & 
#>     savingsStatus_X.100 >= 0.5 & residenceSince >= 1.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.00188854348, numDependents >= 
#>     1.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>     0.5 ~ 0.00214414997, creditAmount >= 7834 & (job_skilled < 
#>     0.5 | is.na(job_skilled)) & creditAmount >= 3914 & otherPaymentPlans_none >= 
#>     0.5 ~ 0.00182147976, (housing_own < 0.5 | is.na(housing_own)) & 
#>     job_skilled >= 0.5 & creditAmount >= 3914 & otherPaymentPlans_none >= 
#>     0.5 ~ 0.00761820143, (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & creditAmount >= 2055 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     residenceSince >= 1.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     -0.00779962353, creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>     2055 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     residenceSince >= 1.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     0.00168903975, (propertyMagnitude_life.insurance < 0.5 | 
#>     is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>     1285 | is.na(creditAmount)) & checkingStatus_X.0 >= 0.5 & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>     0.5 ~ 0.00637846813, propertyMagnitude_life.insurance >= 
#>     0.5 & (creditAmount < 1285 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>     0.5 & (creditAmount < 3914 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>     0.5 ~ 0.000383092003, propertyMagnitude_life.insurance >= 
#>     0.5 & creditAmount >= 1285 & checkingStatus_X.0 >= 0.5 & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>     0.5 ~ -0.00994551834, (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & (creditAmount < 7834 | 
#>     is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     creditAmount >= 3914 & otherPaymentPlans_none >= 0.5 ~ -0.0010193442, 
#>     creditHistory_existing.paid >= 0.5 & (creditAmount < 7834 | 
#>         is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         creditAmount >= 3914 & otherPaymentPlans_none >= 0.5 ~ 
#>         -0.00939602312, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         housing_own >= 0.5 & job_skilled >= 0.5 & creditAmount >= 
#>         3914 & otherPaymentPlans_none >= 0.5 ~ -0.00425582752, 
#>     ownTelephone_yes >= 0.5 & housing_own >= 0.5 & job_skilled >= 
#>         0.5 & creditAmount >= 3914 & otherPaymentPlans_none >= 
#>         0.5 ~ 0.00258314167, duration >= 21 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 ~ -0.000276105071, (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & personalStatus_male.single >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3914 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 ~ -0.0113304155, employment_X4..X.7 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3914 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 ~ -0.00431116205, (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1285 & checkingStatus_X.0 >= 0.5 & (creditAmount < 3914 | 
#>         is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 ~ 
#>         0.000125968523, installmentCommitment >= 3.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1285 & checkingStatus_X.0 >= 0.5 & (creditAmount < 3914 | 
#>         is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 ~ 
#>         -0.00656056171, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (duration < 21 | is.na(duration)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 ~ -0.0084692752, propertyMagnitude_car >= 
#>         0.5 & (duration < 21 | is.na(duration)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 ~ -0.0020557153) + case_when((ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (duration < 16.5 | is.na(duration)) ~ -0.00930049643, ownTelephone_yes >= 
#>     0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & (duration < 
#>     16.5 | is.na(duration)) ~ -0.00184208958, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (duration < 19 | is.na(duration)) & 
#>     duration >= 16.5 ~ -0.0056022075, (creditAmount < 1360.5 | 
#>     is.na(creditAmount)) & duration >= 19 & duration >= 16.5 ~ 
#>     0.00660301419, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & job_skilled >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) ~ 0.00614193501, 
#>     checkingStatus_no.checking >= 0.5 & (housing_own < 0.5 | 
#>         is.na(housing_own)) & job_skilled >= 0.5 & (duration < 
#>         16.5 | is.na(duration)) ~ -0.00540328119, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & housing_own >= 0.5 & 
#>         job_skilled >= 0.5 & (duration < 16.5 | is.na(duration)) ~ 
#>         -0.00989491586, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         residenceSince >= 1.5 & (duration < 19 | is.na(duration)) & 
#>         duration >= 16.5 ~ 0.00137055246, purpose_radio.tv >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 & 
#>         job_skilled >= 0.5 & (duration < 16.5 | is.na(duration)) ~ 
#>         -0.00675206864, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 & residenceSince >= 1.5 & 
#>         (duration < 19 | is.na(duration)) & duration >= 16.5 ~ 
#>         0.0144468797, creditHistory_critical.other.existing.credit >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & residenceSince >= 
#>         1.5 & (duration < 19 | is.na(duration)) & duration >= 
#>         16.5 ~ 0.00385852437, checkingStatus_no.checking >= 0.5 & 
#>         (duration < 25.5 | is.na(duration)) & creditAmount >= 
#>         1360.5 & duration >= 19 & duration >= 16.5 ~ -0.0106147742, 
#>     (creditAmount < 1407.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & housing_own >= 0.5 & job_skilled >= 0.5 & (duration < 
#>         16.5 | is.na(duration)) ~ 0.00296336412, creditAmount >= 
#>         1407.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 & job_skilled >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) ~ 0.000989097985, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 25.5 | is.na(duration)) & creditAmount >= 
#>         1360.5 & duration >= 19 & duration >= 16.5 ~ -0.00837488193, 
#>     (creditAmount < 5923 | is.na(creditAmount)) & (age < 29.5 | 
#>         is.na(age)) & duration >= 25.5 & creditAmount >= 1360.5 & 
#>         duration >= 19 & duration >= 16.5 ~ 0.000342555781, creditAmount >= 
#>         5923 & (age < 29.5 | is.na(age)) & duration >= 25.5 & 
#>         creditAmount >= 1360.5 & duration >= 19 & duration >= 
#>         16.5 ~ 0.00989625137, purpose_business >= 0.5 & age >= 
#>         29.5 & duration >= 25.5 & creditAmount >= 1360.5 & duration >= 
#>         19 & duration >= 16.5 ~ 0.0065584234, (age < 30.5 | is.na(age)) & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         25.5 | is.na(duration)) & creditAmount >= 1360.5 & duration >= 
#>         19 & duration >= 16.5 ~ -0.00607838389, age >= 30.5 & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         25.5 | is.na(duration)) & creditAmount >= 1360.5 & duration >= 
#>         19 & duration >= 16.5 ~ 0.00801023189, (age < 41.5 | 
#>         is.na(age)) & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         age >= 29.5 & duration >= 25.5 & creditAmount >= 1360.5 & 
#>         duration >= 19 & duration >= 16.5 ~ -0.00700938981, age >= 
#>         41.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         age >= 29.5 & duration >= 25.5 & creditAmount >= 1360.5 & 
#>         duration >= 19 & duration >= 16.5 ~ -0.000362885185) + 
#>     case_when((personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditAmount >= 3893 ~ 0.0136537831, personalStatus_male.single >= 
#>         0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditAmount >= 3893 ~ 0.0021799719, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & numDependents >= 
#>         1.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3893 | is.na(creditAmount)) ~ -0.00326449261, 
#>         installmentCommitment >= 3.5 & numDependents >= 1.5 & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ 0.00783447549, 
#>         employment_X1..X.4 >= 0.5 & (duration < 14 | is.na(duration)) & 
#>             checkingStatus_X.0 >= 0.5 & (creditAmount < 3893 | 
#>             is.na(creditAmount)) ~ -0.00608497066, employment_X4..X.7 >= 
#>             0.5 & duration >= 14 & checkingStatus_X.0 >= 0.5 & 
#>             (creditAmount < 3893 | is.na(creditAmount)) ~ -0.00389869045, 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             otherPaymentPlans_none >= 0.5 & creditAmount >= 3893 ~ 
#>             0.000770626473, installmentCommitment >= 2.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & otherPaymentPlans_none >= 
#>             0.5 & creditAmount >= 3893 ~ 0.00944802165, age >= 
#>             42.5 & personalStatus_male.single >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & creditAmount >= 3893 ~ 0.00450314675, (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.0103944689, purpose_furniture.equipment >= 
#>             0.5 & employment_X1..X.4 >= 0.5 & (numDependents < 
#>             1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ 0.00536041241, (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (duration < 14 | is.na(duration)) & checkingStatus_X.0 >= 
#>             0.5 & (creditAmount < 3893 | is.na(creditAmount)) ~ 
#>             0.00464346167, personalStatus_female.div.dep.mar >= 
#>             0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (duration < 14 | is.na(duration)) & checkingStatus_X.0 >= 
#>             0.5 & (creditAmount < 3893 | is.na(creditAmount)) ~ 
#>             0.000412966328, purpose_furniture.equipment >= 0.5 & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 14 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ 0.00115313672, (age < 
#>             29.5 | is.na(age)) & (age < 42.5 | is.na(age)) & 
#>             personalStatus_male.single >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & creditAmount >= 3893 ~ 0.0020365396, age >= 
#>             29.5 & (age < 42.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & creditAmount >= 
#>             3893 ~ -0.00876386836, propertyMagnitude_life.insurance >= 
#>             0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             employment_X1..X.4 >= 0.5 & (numDependents < 1.5 | 
#>             is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (creditAmount < 3893 | 
#>             is.na(creditAmount)) ~ 0.00114480557, (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & duration >= 14 & 
#>             checkingStatus_X.0 >= 0.5 & (creditAmount < 3893 | 
#>             is.na(creditAmount)) ~ 0.0104837138, propertyMagnitude_car >= 
#>             0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             duration >= 14 & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ 0.00407502754, (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             savingsStatus_X.100 >= 0.5 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.00696917064, installmentCommitment >= 
#>             3.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>             is.na(personalStatus_female.div.dep.mar)) & savingsStatus_X.100 >= 
#>             0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ 0.00121720182, (creditAmount < 
#>             1546 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.00335427793, creditAmount >= 
#>             1546 & personalStatus_female.div.dep.mar >= 0.5 & 
#>             savingsStatus_X.100 >= 0.5 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 
#>             3893 | is.na(creditAmount)) ~ -0.00997990649, checkingStatus_X0..X.200 >= 
#>             0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             employment_X1..X.4 >= 0.5 & (numDependents < 1.5 | 
#>             is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (creditAmount < 3893 | 
#>             is.na(creditAmount)) ~ -0.00890496559, (age < 30.5 | 
#>             is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             employment_X1..X.4 >= 0.5 & (numDependents < 1.5 | 
#>             is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (creditAmount < 3893 | 
#>             is.na(creditAmount)) ~ -0.00212019193, age >= 30.5 & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             employment_X1..X.4 >= 0.5 & (numDependents < 1.5 | 
#>             is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (creditAmount < 3893 | 
#>             is.na(creditAmount)) ~ -0.0063128476) + case_when(purpose_radio.tv >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.0107106408, 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & purpose_used.car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00714455824, employment_X..7 >= 0.5 & purpose_used.car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000325408764, purpose_business >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00368712563, (age < 34.5 | is.na(age)) & (duration < 
#>         11.5 | is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00108870468, age >= 34.5 & (duration < 11.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0105967615, (age < 24.5 | is.na(age)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00186451548, propertyMagnitude_car >= 0.5 & age >= 
#>         36.5 & duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000717351504, propertyMagnitude_life.insurance >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (age < 36.5 | is.na(age)) & duration >= 11.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00416271901, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & age >= 36.5 & duration >= 
#>         11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00992519967, existingCredits >= 1.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & age >= 36.5 & duration >= 
#>         11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00325750886, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & age >= 
#>         24.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.000700359757, 
#>     existingCredits >= 1.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         age >= 24.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00639267731, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & residenceSince >= 2.5 & 
#>         age >= 24.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.010608091, ownTelephone_none >= 
#>         0.5 & residenceSince >= 2.5 & age >= 24.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00368198217, personalStatus_female.div.dep.mar >= 
#>         0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (age < 36.5 | is.na(age)) & duration >= 11.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0104759801, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         installmentCommitment >= 2.5 & (age < 36.5 | is.na(age)) & 
#>         duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00712182699, savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>         2.5 & (age < 36.5 | is.na(age)) & duration >= 11.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00419924408, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         ownTelephone_none >= 0.5 & installmentCommitment >= 2.5 & 
#>         (age < 36.5 | is.na(age)) & duration >= 11.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00427869754, 
#>     (age < 26 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (age < 36.5 | is.na(age)) & 
#>         duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00660033152, age >= 26 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (age < 36.5 | is.na(age)) & 
#>         duration >= 11.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00590272155, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         residenceSince >= 1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         2.5 & (age < 36.5 | is.na(age)) & duration >= 11.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00774366176, purpose_radio.tv >= 0.5 & residenceSince >= 
#>         1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         2.5 & (age < 36.5 | is.na(age)) & duration >= 11.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         6.36429832e-05) + case_when(employment_unemployed >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (housing_own < 
#>     0.5 | is.na(housing_own)) ~ -0.00443886733, (creditAmount < 
#>     2123 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (housing_own < 0.5 | is.na(housing_own)) ~ -0.0068930611, 
#>     creditAmount >= 2123 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) ~ 0.00209954078, 
#>     purpose_education >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         housing_own >= 0.5 ~ 0.00649112742, propertyMagnitude_life.insurance >= 
#>         0.5 & purpose_new.car >= 0.5 & housing_own >= 0.5 ~ 0.00850341469, 
#>     checkingStatus_no.checking >= 0.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ 7.5257296e-05, 
#>     age >= 52.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & housing_own >= 
#>         0.5 ~ 0.00350756082, (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>         0.5 & housing_own >= 0.5 ~ 0.00797087327, creditAmount >= 
#>         3024 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ 0.0103149423, 
#>     (creditAmount < 2276 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         purpose_new.car >= 0.5 & housing_own >= 0.5 ~ -0.00669458602, 
#>     creditAmount >= 2276 & otherPaymentPlans_none >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>         0.5 & housing_own >= 0.5 ~ 0.00269660377, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (creditAmount < 
#>         3024 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ 0.00644124718, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (creditAmount < 
#>         3024 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ 0.000459058239, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (age < 
#>         26.5 | is.na(age)) & (age < 52.5 | is.na(age)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & housing_own >= 0.5 ~ 
#>         0.00228016474, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         purpose_radio.tv >= 0.5 & (age < 26.5 | is.na(age)) & 
#>         (age < 52.5 | is.na(age)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & housing_own >= 0.5 ~ -0.00145523797, 
#>     installmentCommitment >= 3.5 & purpose_radio.tv >= 0.5 & 
#>         (age < 26.5 | is.na(age)) & (age < 52.5 | is.na(age)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & housing_own >= 
#>         0.5 ~ -0.00781251211, (creditAmount < 881 | is.na(creditAmount)) & 
#>         (duration < 22.5 | is.na(duration)) & age >= 26.5 & (age < 
#>         52.5 | is.na(age)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & housing_own >= 
#>         0.5 ~ -0.00086574239, creditAmount >= 881 & (duration < 
#>         22.5 | is.na(duration)) & age >= 26.5 & (age < 52.5 | 
#>         is.na(age)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & housing_own >= 
#>         0.5 ~ -0.0104616974, propertyMagnitude_life.insurance >= 
#>         0.5 & duration >= 22.5 & age >= 26.5 & (age < 52.5 | 
#>         is.na(age)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & housing_own >= 
#>         0.5 ~ -0.00870015752, (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & duration >= 
#>         22.5 & age >= 26.5 & (age < 52.5 | is.na(age)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & housing_own >= 0.5 ~ 
#>         0.00583828194, personalStatus_male.single >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & duration >= 
#>         22.5 & age >= 26.5 & (age < 52.5 | is.na(age)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & housing_own >= 0.5 ~ 
#>         -0.00244400557) + case_when(savingsStatus_X..1000 >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.00719858473, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     creditAmount >= 6386 & checkingStatus_no.checking >= 0.5 ~ 
#>     0.000229448779, propertyMagnitude_car >= 0.5 & creditAmount >= 
#>     6386 & checkingStatus_no.checking >= 0.5 ~ 0.00747964019, 
#>     checkingStatus_X.0 >= 0.5 & savingsStatus_no.known.savings >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00223386008, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditAmount < 2296.5 | is.na(creditAmount)) & (creditAmount < 
#>         6386 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00794571172, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 2296.5 & (creditAmount < 6386 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0101905055, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & savingsStatus_X100..X.500 >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00607964862, installmentCommitment >= 3.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00321001071, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_no.known.savings >= 0.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00137811911, 
#>     installmentCommitment >= 3.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & savingsStatus_no.known.savings >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0097473748, existingCredits >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 & (creditAmount < 2296.5 | is.na(creditAmount)) & 
#>         (creditAmount < 6386 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00561711611, (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 2296.5 & (creditAmount < 6386 | 
#>         is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.000189276165, installmentCommitment >= 2.5 & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 2296.5 & 
#>         (creditAmount < 6386 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00879489724, age >= 34.5 & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00611836836, 
#>     (age < 28.5 | is.na(age)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 2296.5 | 
#>         is.na(creditAmount)) & (creditAmount < 6386 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00653790217, age >= 
#>         28.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 2296.5 | 
#>         is.na(creditAmount)) & (creditAmount < 6386 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00313554984, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (age < 34.5 | 
#>         is.na(age)) & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00115335837, personalStatus_male.single >= 0.5 & (age < 
#>         34.5 | is.na(age)) & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00141864549, (age < 27.5 | is.na(age)) & (duration < 
#>         15.5 | is.na(duration)) & residenceSince >= 1.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0063401619, 
#>     age >= 47.5 & duration >= 15.5 & residenceSince >= 1.5 & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.000488065387, (creditAmount < 1136 | is.na(creditAmount)) & 
#>         age >= 27.5 & (duration < 15.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00837281346, creditAmount >= 1136 & age >= 27.5 & (duration < 
#>         15.5 | is.na(duration)) & residenceSince >= 1.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00160832098, 
#>     (age < 30.5 | is.na(age)) & (age < 47.5 | is.na(age)) & duration >= 
#>         15.5 & residenceSince >= 1.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00544592366, 
#>     age >= 30.5 & (age < 47.5 | is.na(age)) & duration >= 15.5 & 
#>         residenceSince >= 1.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0109847067) + 
#>     case_when(checkingStatus_no.checking >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00999244954, purpose_used.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00852816366, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.009326078, employment_X1..X.4 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00624978961, creditAmount >= 7619.5 & creditHistory_existing.paid >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00950108562, (creditAmount < 2189 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00653045624, creditAmount >= 2189 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00150153378, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         duration >= 16.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00740558654, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (creditAmount < 7619.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00700754486, job_skilled >= 0.5 & (creditAmount < 
#>         7619.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000169984356, creditAmount >= 2844.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (duration < 16.5 | 
#>         is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00188210176, (creditAmount < 1485.5 | is.na(creditAmount)) & 
#>         propertyMagnitude_car >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00392971793, creditAmount >= 1485.5 & propertyMagnitude_car >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00666943658, ownTelephone_yes >= 0.5 & (creditAmount < 
#>         2844.5 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (duration < 16.5 | 
#>         is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0108863851, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 2299 | is.na(creditAmount)) & residenceSince >= 
#>         1.5 & duration >= 16.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0103025855, ownTelephone_yes >= 0.5 & (creditAmount < 
#>         2299 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         duration >= 16.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0011174978, duration >= 39 & creditAmount >= 2299 & 
#>         residenceSince >= 1.5 & duration >= 16.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00765533326, (duration < 9.5 | is.na(duration)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 2844.5 | 
#>         is.na(creditAmount)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (duration < 16.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00651954534, duration >= 9.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 2844.5 | 
#>         is.na(creditAmount)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (duration < 16.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000669345143, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (duration < 39 | is.na(duration)) & creditAmount >= 2299 & 
#>         residenceSince >= 1.5 & duration >= 16.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00612041261, housing_own >= 0.5 & (duration < 39 | 
#>         is.na(duration)) & creditAmount >= 2299 & residenceSince >= 
#>         1.5 & duration >= 16.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00463372888) + case_when(savingsStatus_no.known.savings >= 
#>     0.5 & personalStatus_female.div.dep.mar >= 0.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) ~ -0.00517112017, housing_rent >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     purpose_radio.tv >= 0.5 ~ -0.00158483861, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & checkingStatus_X.0 >= 
#>     0.5 & purpose_radio.tv >= 0.5 ~ -0.00399044855, personalStatus_male.single >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & purpose_radio.tv >= 0.5 ~ 
#>     0.00237354264, purpose_used.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ -0.00759499334, 
#>     age >= 44.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.010465282, numDependents >= 1.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & purpose_radio.tv >= 0.5 ~ 
#>         -0.00306260725, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (age < 44.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.000935361662, otherPaymentPlans_none >= 0.5 & (age < 
#>         44.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00689590955, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00089704222, residenceSince >= 2.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00654655742, (duration < 
#>         12.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & purpose_radio.tv >= 
#>         0.5 ~ -0.00221551419, duration >= 12.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         purpose_radio.tv >= 0.5 ~ -0.0101020588, checkingStatus_X0..X.200 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00947315432, (age < 28.5 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.0019934054, age >= 28.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00261597033, (age < 30 | is.na(age)) & installmentCommitment >= 
#>         2.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.0132653369, age >= 
#>         30 & installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00257012923, (duration < 19.5 | is.na(duration)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00414316636, duration >= 19.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00481865089, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (age < 34.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00427910266, checkingStatus_X.0 >= 0.5 & (age < 34.5 | 
#>         is.na(age)) & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.0049142763, (age < 42.5 | is.na(age)) & age >= 34.5 & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.0110103255, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         age >= 42.5 & age >= 34.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00541329803, creditHistory_existing.paid >= 0.5 & age >= 
#>         42.5 & age >= 34.5 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.000993325375) + case_when(job_unskilled.resident >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000540174835, creditAmount >= 10708.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0110209901, (creditAmount < 7146.5 | is.na(creditAmount)) & 
#>     duration >= 31.5 & checkingStatus_X.0 >= 0.5 ~ 0.0126391966, 
#>     creditAmount >= 7146.5 & duration >= 31.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00199895748, age >= 49.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.000736575341, housing_rent >= 
#>         0.5 & (creditAmount < 10708.5 | is.na(creditAmount)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00613331841, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.00653076684, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & purpose_new.car >= 0.5 & 
#>         (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00271951896, job_skilled >= 0.5 & purpose_new.car >= 
#>         0.5 & (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00864616781, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (age < 49.5 | 
#>         is.na(age)) & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00816725008, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (age < 
#>         49.5 | is.na(age)) & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00151623529, age >= 
#>         28.5 & housing_own >= 0.5 & (age < 49.5 | is.na(age)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.011717163, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (creditAmount < 
#>         10708.5 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00836856104, installmentCommitment >= 2.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (creditAmount < 10708.5 | 
#>         is.na(creditAmount)) & checkingStatus_X0..X.200 >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00252899458, (age < 35 | is.na(age)) & installmentCommitment >= 
#>         3.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (creditAmount < 
#>         10708.5 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00186050951, age >= 35 & installmentCommitment >= 
#>         3.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (creditAmount < 
#>         10708.5 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00607348327, (duration < 16.5 | is.na(duration)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00901268329, duration >= 16.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00259022298, (duration < 19.5 | is.na(duration)) & 
#>         residenceSince >= 3.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (duration < 
#>         31.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00577801047, duration >= 19.5 & residenceSince >= 3.5 & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (duration < 31.5 | is.na(duration)) & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.000698000775, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (age < 28.5 | is.na(age)) & 
#>         housing_own >= 0.5 & (age < 49.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0101206284, installmentCommitment >= 
#>         3.5 & (age < 28.5 | is.na(age)) & housing_own >= 0.5 & 
#>         (age < 49.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00305818883) + case_when(otherParties_guarantor >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.0101654232, 
#>     creditAmount >= 6129 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00160161254, (creditAmount < 2178.5 | is.na(creditAmount)) & 
#>         checkingStatus_X.0 >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00734887365, creditAmount >= 2178.5 & checkingStatus_X.0 >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00430681743, creditAmount >= 1875.5 & (creditAmount < 
#>         6129 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0106661702, age >= 49.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00351771712, (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         employment_X.1 >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00133919832, savingsStatus_X100..X.500 >= 0.5 & employment_X.1 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0108207166, age >= 43.5 & creditHistory_existing.paid >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00799431559, (age < 39 | is.na(age)) & (creditAmount < 
#>         1875.5 | is.na(creditAmount)) & (creditAmount < 6129 | 
#>         is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.000614623714, age >= 39 & (creditAmount < 1875.5 | 
#>         is.na(creditAmount)) & (creditAmount < 6129 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00867829099, (creditAmount < 1374 | is.na(creditAmount)) & 
#>         (age < 49.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000994630042, (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0019471026, purpose_business >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & savingsStatus_X.100 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00436339993, (creditAmount < 1978.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & savingsStatus_X.100 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00518005621, creditAmount >= 1978.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0131581398, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1374 & (age < 49.5 | is.na(age)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00863589905, propertyMagnitude_life.insurance >= 0.5 & 
#>         creditAmount >= 1374 & (age < 49.5 | is.na(age)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00160458684, (duration < 9.5 | is.na(duration)) & 
#>         (age < 35.5 | is.na(age)) & (age < 43.5 | is.na(age)) & 
#>         creditHistory_existing.paid >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0058154338, (duration < 22.5 | is.na(duration)) & age >= 
#>         35.5 & (age < 43.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0109185623, duration >= 22.5 & age >= 35.5 & (age < 
#>         43.5 | is.na(age)) & creditHistory_existing.paid >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.003830923, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & duration >= 
#>         9.5 & (age < 35.5 | is.na(age)) & (age < 43.5 | is.na(age)) & 
#>         creditHistory_existing.paid >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         8.14581799e-05, propertyMagnitude_life.insurance >= 0.5 & 
#>         duration >= 9.5 & (age < 35.5 | is.na(age)) & (age < 
#>         43.5 | is.na(age)) & creditHistory_existing.paid >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00621028477) + case_when(housing_for.free >= 0.5 & 
#>     (creditAmount < 5553 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.000664399937, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & creditAmount >= 5553 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.000702182937, residenceSince >= 
#>     2.5 & creditAmount >= 5553 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.00434372015, (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) & (duration < 15.5 | 
#>     is.na(duration)) & savingsStatus_X.100 >= 0.5 ~ 0.0028851789, 
#>     purpose_used.car >= 0.5 & duration >= 15.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00605818862, (creditAmount < 991 | is.na(creditAmount)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (creditAmount < 5553 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.000793097424, 
#>     otherPaymentPlans_bank >= 0.5 & creditAmount >= 991 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & (creditAmount < 5553 | 
#>         is.na(creditAmount)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.00141229818, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         installmentCommitment >= 1.5 & (duration < 15.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00982891489, job_unskilled.resident >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         installmentCommitment >= 1.5 & (duration < 15.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00362496986, (duration < 
#>         9.5 | is.na(duration)) & checkingStatus_X.0 >= 0.5 & 
#>         installmentCommitment >= 1.5 & (duration < 15.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00416341005, housing_rent >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 ~ 0.0121270334, 
#>     (duration < 28.5 | is.na(duration)) & purpose_radio.tv >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 ~ -0.00232904754, 
#>     duration >= 28.5 & purpose_radio.tv >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00269696792, (creditAmount < 1138 | is.na(creditAmount)) & 
#>         duration >= 9.5 & checkingStatus_X.0 >= 0.5 & installmentCommitment >= 
#>         1.5 & (duration < 15.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00164524862, creditAmount >= 1138 & duration >= 
#>         9.5 & checkingStatus_X.0 >= 0.5 & installmentCommitment >= 
#>         1.5 & (duration < 15.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.0072018886, (creditAmount < 2288.5 | is.na(creditAmount)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         991 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (creditAmount < 5553 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00581050338, creditAmount >= 
#>         2288.5 & (housing_own < 0.5 | is.na(housing_own)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         991 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (creditAmount < 5553 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.000822312606, 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         housing_own >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & creditAmount >= 991 & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (creditAmount < 5553 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.0119843232, job_unskilled.resident >= 
#>         0.5 & housing_own >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         991 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (creditAmount < 5553 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00346870348, creditHistory_delayed.previously >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.0137181599, (creditAmount < 2445.5 | is.na(creditAmount)) & 
#>         purpose_new.car >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 ~ -0.00582523039, 
#>     creditAmount >= 2445.5 & purpose_new.car >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 15.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00522058643, (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 ~ 0.00712173805, 
#>     personalStatus_male.single >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & savingsStatus_X.100 >= 0.5 ~ -0.00116772368) + 
#>     case_when(otherParties_guarantor >= 0.5 ~ -0.0103985947, 
#>         (duration < 11.5 | is.na(duration)) & age >= 40.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) ~ -0.00910486002, 
#>         (age < 22.5 | is.na(age)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             40.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) ~ -0.00468647247, 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>             0.5 & (age < 40.5 | is.na(age)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) ~ 0.00638302322, 
#>         existingCredits >= 1.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             checkingStatus_no.checking >= 0.5 & (age < 40.5 | 
#>             is.na(age)) & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>             -0.00260925596, (age < 34.5 | is.na(age)) & job_skilled >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 & (age < 
#>             40.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) ~ -0.00745641533, 
#>         age >= 34.5 & job_skilled >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 & (age < 40.5 | is.na(age)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) ~ 0.000278538209, 
#>         creditAmount >= 6614.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & duration >= 11.5 & age >= 
#>             40.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>             0.00118948391, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             checkingStatus_X.0 >= 0.5 & duration >= 11.5 & age >= 
#>             40.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>             0.00335954037, existingCredits >= 1.5 & checkingStatus_X.0 >= 
#>             0.5 & duration >= 11.5 & age >= 40.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) ~ -0.00352759589, 
#>         creditAmount >= 5669 & (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & age >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             40.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) ~ -0.0104618575, (residenceSince < 
#>             1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>             2.5 & age >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             40.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) ~ -0.00209899666, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (creditAmount < 6614.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>             age >= 40.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>             -0.0104156192, (duration < 14.5 | is.na(duration)) & 
#>             (creditAmount < 5669 | is.na(creditAmount)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & age >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (age < 40.5 | is.na(age)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) ~ -0.00427071704, 
#>         (duration < 16.5 | is.na(duration)) & installmentCommitment >= 
#>             3.5 & (creditAmount < 6614.5 | is.na(creditAmount)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             duration >= 11.5 & age >= 40.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) ~ 0.000480604125, 
#>         duration >= 16.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>             6614.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & duration >= 11.5 & 
#>             age >= 40.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>             -0.00514382729, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             duration >= 14.5 & (creditAmount < 5669 | is.na(creditAmount)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             age >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & (age < 40.5 | 
#>             is.na(age)) & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>             0.000433823909, existingCredits >= 1.5 & duration >= 
#>             14.5 & (creditAmount < 5669 | is.na(creditAmount)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             age >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & (age < 40.5 | 
#>             is.na(age)) & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>             0.00374723389, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             2.5 & age >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             40.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) ~ -0.00166603155, 
#>         savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & residenceSince >= 1.5 & 
#>             installmentCommitment >= 2.5 & age >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             40.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) ~ 0.00552503765, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_none >= 0.5 & residenceSince >= 1.5 & 
#>             installmentCommitment >= 2.5 & age >= 22.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (age < 
#>             40.5 | is.na(age)) & (otherParties_guarantor < 0.5 | 
#>             is.na(otherParties_guarantor)) ~ 0.0109471576, propertyMagnitude_life.insurance >= 
#>             0.5 & ownTelephone_none >= 0.5 & residenceSince >= 
#>             1.5 & installmentCommitment >= 2.5 & age >= 22.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (age < 40.5 | is.na(age)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) ~ 0.0045303884) + 
#>     case_when(creditHistory_all.paid >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.0032553717, purpose_used.car >= 
#>         0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0108096134, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 1373 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00216871803, creditAmount >= 10918 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00464476831, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.000736477959, residenceSince >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00959661696, creditAmount >= 3544.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & creditAmount >= 1373 & 
#>         checkingStatus_X.0 >= 0.5 ~ -0.0093269432, creditAmount >= 
#>         3808 & residenceSince >= 3.5 & creditAmount >= 1373 & 
#>         checkingStatus_X.0 >= 0.5 ~ 0.0060708276, (creditAmount < 
#>         2133.5 | is.na(creditAmount)) & (creditAmount < 3544.5 | 
#>         is.na(creditAmount)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         creditAmount >= 1373 & checkingStatus_X.0 >= 0.5 ~ -0.00514432183, 
#>         creditAmount >= 2133.5 & (creditAmount < 3544.5 | is.na(creditAmount)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             creditAmount >= 1373 & checkingStatus_X.0 >= 0.5 ~ 
#>             0.000913913595, (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             (creditAmount < 3808 | is.na(creditAmount)) & residenceSince >= 
#>             3.5 & creditAmount >= 1373 & checkingStatus_X.0 >= 
#>             0.5 ~ -0.0082169082, housing_rent >= 0.5 & (creditAmount < 
#>             3808 | is.na(creditAmount)) & residenceSince >= 3.5 & 
#>             creditAmount >= 1373 & checkingStatus_X.0 >= 0.5 ~ 
#>             0.00156466023, employment_X1..X.4 >= 0.5 & creditHistory_delayed.previously >= 
#>             0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.0043398859, (creditAmount < 803 | is.na(creditAmount)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.000138762727, 
#>         purpose_new.car >= 0.5 & employment_X1..X.4 >= 0.5 & 
#>             (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.0057750605, 
#>         (creditAmount < 2279 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & creditHistory_delayed.previously >= 
#>             0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             0.0047465805, creditAmount >= 2279 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & creditHistory_delayed.previously >= 
#>             0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>             -0.000750098901, (duration < 33 | is.na(duration)) & 
#>             creditAmount >= 803 & (employment_X1..X.4 < 0.5 | 
#>             is.na(employment_X1..X.4)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.0100432392, 
#>         duration >= 33 & creditAmount >= 803 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00395566085, 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             employment_X1..X.4 >= 0.5 & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ -0.00711668096, 
#>         purpose_furniture.equipment >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & employment_X1..X.4 >= 
#>             0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) ~ 0.00281465938) + 
#>     case_when((creditAmount < 1372.5 | is.na(creditAmount)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0032749942, age >= 61.5 & savingsStatus_X.100 >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00530101871, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (duration < 16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0107904123, purpose_radio.tv >= 0.5 & (duration < 
#>         16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00526584499, employment_X.1 >= 0.5 & duration >= 
#>         16.5 & checkingStatus_no.checking >= 0.5 ~ 0.00537234219, 
#>         savingsStatus_no.known.savings >= 0.5 & creditAmount >= 
#>             1372.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00933240727, (duration < 21.5 | is.na(duration)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 16.5 & checkingStatus_no.checking >= 
#>             0.5 ~ 0.000933024217, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             creditAmount >= 1372.5 & (savingsStatus_X.100 < 0.5 | 
#>             is.na(savingsStatus_X.100)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00127019477, 
#>         ownTelephone_yes >= 0.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             1372.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00533482106, purpose_radio.tv >= 0.5 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (age < 
#>             61.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000282770197, otherParties_guarantor >= 0.5 & 
#>             creditHistory_existing.paid >= 0.5 & (age < 61.5 | 
#>             is.na(age)) & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0080912048, 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             duration >= 21.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 16.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.0108158197, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (age < 61.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0112837953, (creditAmount < 1384.5 | is.na(creditAmount)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             creditHistory_existing.paid >= 0.5 & (age < 61.5 | 
#>             is.na(age)) & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0107769165, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             installmentCommitment >= 2.5 & duration >= 21.5 & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 16.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00700052409, creditHistory_existing.paid >= 
#>             0.5 & installmentCommitment >= 2.5 & duration >= 
#>             21.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             duration >= 16.5 & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00113276986, (creditAmount < 1897.5 | is.na(creditAmount)) & 
#>             existingCredits >= 1.5 & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (age < 
#>             61.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00165353413, (duration < 20.5 | is.na(duration)) & 
#>             creditAmount >= 1897.5 & existingCredits >= 1.5 & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (age < 61.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00303540425, duration >= 20.5 & creditAmount >= 
#>             1897.5 & existingCredits >= 1.5 & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (age < 
#>             61.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0106906593, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             creditAmount >= 1384.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & creditHistory_existing.paid >= 
#>             0.5 & (age < 61.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00173289038, ownTelephone_none >= 0.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 
#>             1384.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             creditHistory_existing.paid >= 0.5 & (age < 61.5 | 
#>             is.na(age)) & savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00530135911, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & propertyMagnitude_car >= 
#>             0.5 & creditAmount >= 1384.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & creditHistory_existing.paid >= 
#>             0.5 & (age < 61.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00153079873, residenceSince >= 2.5 & propertyMagnitude_car >= 
#>             0.5 & creditAmount >= 1384.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & creditHistory_existing.paid >= 
#>             0.5 & (age < 61.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0109316716) + case_when((residenceSince < 1.5 | 
#>     is.na(residenceSince)) & (job_unskilled.resident < 0.5 | 
#>     is.na(job_unskilled.resident)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0103154033, (duration < 11 | 
#>     is.na(duration)) & job_unskilled.resident >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00349141564, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.000123183185, personalStatus_male.single >= 0.5 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00571543165, propertyMagnitude_real.estate >= 
#>     0.5 & duration >= 11 & job_unskilled.resident >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.000250790123, age >= 
#>     30.5 & (age < 35.5 | is.na(age)) & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.0121938689, (age < 39.5 | 
#>     is.na(age)) & age >= 35.5 & savingsStatus_X.100 >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00410858821, otherPaymentPlans_bank >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     residenceSince >= 1.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00180712354, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     duration >= 11 & job_unskilled.resident >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00130421296, creditHistory_existing.paid >= 
#>     0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     duration >= 11 & job_unskilled.resident >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.0112711387, (creditAmount < 
#>     3170.5 | is.na(creditAmount)) & age >= 39.5 & age >= 35.5 & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.000864204427, creditAmount >= 3170.5 & age >= 39.5 & age >= 
#>     35.5 & savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00666538998, creditAmount >= 6687.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & residenceSince >= 
#>     1.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00145453762, (age < 24.5 | is.na(age)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & checkingStatus_X0..X.200 >= 
#>     0.5 & residenceSince >= 1.5 & (job_unskilled.resident < 0.5 | 
#>     is.na(job_unskilled.resident)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00145144062, age >= 24.5 & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 1.5 & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00844218396, (duration < 25.5 | is.na(duration)) & personalStatus_male.single >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 
#>     1.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00618625991, (creditAmount < 3523 | is.na(creditAmount)) & 
#>     (age < 26.5 | is.na(age)) & (age < 30.5 | is.na(age)) & (age < 
#>     35.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0106687211, creditAmount >= 3523 & (age < 26.5 | 
#>     is.na(age)) & (age < 30.5 | is.na(age)) & (age < 35.5 | is.na(age)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.000947448716, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     age >= 26.5 & (age < 30.5 | is.na(age)) & (age < 35.5 | is.na(age)) & 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.0017619431, installmentCommitment >= 3.5 & age >= 26.5 & 
#>     (age < 30.5 | is.na(age)) & (age < 35.5 | is.na(age)) & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00290211011, (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditAmount < 
#>     6687.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & residenceSince >= 
#>     1.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00844060723, job_high.qualif.self.emp.mgmt >= 0.5 & (creditAmount < 
#>     6687.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & residenceSince >= 
#>     1.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00295602949, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     duration >= 25.5 & personalStatus_male.single >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & residenceSince >= 1.5 & (job_unskilled.resident < 0.5 | 
#>     is.na(job_unskilled.resident)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000948177185, savingsStatus_X.100 >= 
#>     0.5 & duration >= 25.5 & personalStatus_male.single >= 0.5 & 
#>     checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 1.5 & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0092308009) + case_when((age < 35 | is.na(age)) & creditAmount >= 
#>     9569 ~ 0.008864576, age >= 35 & creditAmount >= 9569 ~ 0.00146212371, 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         purpose_used.car >= 0.5 & (creditAmount < 9569 | is.na(creditAmount)) ~ 
#>         -0.0108407922, savingsStatus_no.known.savings >= 0.5 & 
#>         purpose_used.car >= 0.5 & (creditAmount < 9569 | is.na(creditAmount)) ~ 
#>         -0.00367087661, employment_unemployed >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 9569 | is.na(creditAmount)) ~ 
#>         0.00610556547, (age < 36.5 | is.na(age)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & purpose_new.car >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) ~ 0.00189582421, 
#>     age >= 36.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         purpose_new.car >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) ~ -0.00800732616, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         ownTelephone_none >= 0.5 & purpose_new.car >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 9569 | 
#>         is.na(creditAmount)) ~ -0.00323730544, checkingStatus_X..200 >= 
#>         0.5 & (duration < 31.5 | is.na(duration)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 9569 | is.na(creditAmount)) ~ 
#>         0.00518491259, residenceSince >= 3 & duration >= 31.5 & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 9569 | 
#>         is.na(creditAmount)) ~ 0.00788138993, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & installmentCommitment >= 
#>         2.5 & ownTelephone_none >= 0.5 & purpose_new.car >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) ~ 0.0111008417, 
#>     employment_X1..X.4 >= 0.5 & installmentCommitment >= 2.5 & 
#>         ownTelephone_none >= 0.5 & purpose_new.car >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 9569 | 
#>         is.na(creditAmount)) ~ 0.00429901807, age >= 52 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (duration < 31.5 | 
#>         is.na(duration)) & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 9569 | 
#>         is.na(creditAmount)) ~ 0.00368620269, (creditAmount < 
#>         4468 | is.na(creditAmount)) & (residenceSince < 3 | is.na(residenceSince)) & 
#>         duration >= 31.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 9569 | 
#>         is.na(creditAmount)) ~ 0.00371762947, creditAmount >= 
#>         4468 & (residenceSince < 3 | is.na(residenceSince)) & 
#>         duration >= 31.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 9569 | 
#>         is.na(creditAmount)) ~ -0.00380131928, (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (age < 52 | is.na(age)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (duration < 31.5 | is.na(duration)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 9569 | is.na(creditAmount)) ~ 
#>         -0.006593192, employment_X.1 >= 0.5 & (age < 52 | is.na(age)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (duration < 31.5 | is.na(duration)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 9569 | is.na(creditAmount)) ~ 
#>         -0.00121763872) + case_when(creditHistory_all.paid >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) ~ 0.00797408819, 
#>     purpose_education >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (duration < 16.5 | is.na(duration)) ~ 
#>         0.00262503, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         purpose_used.car >= 0.5 & duration >= 16.5 ~ -0.00161735096, 
#>     personalStatus_male.single >= 0.5 & purpose_used.car >= 0.5 & 
#>         duration >= 16.5 ~ -0.00828548614, (creditAmount < 1925.5 | 
#>         is.na(creditAmount)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 16.5 ~ 0.00417411514, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 
#>         2175.5 | is.na(creditAmount)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 16.5 | 
#>         is.na(duration)) ~ -0.00239314232, purpose_new.car >= 
#>         0.5 & creditAmount >= 2175.5 & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 16.5 | 
#>         is.na(duration)) ~ -0.00546262925, otherPaymentPlans_bank >= 
#>         0.5 & creditAmount >= 1925.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 16.5 ~ -0.00194644416, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         duration >= 33 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 16.5 ~ -0.000802678696, 
#>     installmentCommitment >= 2.5 & duration >= 33 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 16.5 ~ 0.0133292228, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 2175.5 | is.na(creditAmount)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.00997546781, 
#>     (age < 33 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditAmount >= 2175.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 16.5 | is.na(duration)) ~ -2.61152709e-05, 
#>     age >= 33 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditAmount >= 2175.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 16.5 | is.na(duration)) ~ 0.00421126094, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 1925.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 16.5 ~ -0.00888615102, 
#>     (age < 35 | is.na(age)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (duration < 33 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 16.5 ~ 0.0104444083, age >= 35 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (duration < 33 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 16.5 ~ 0.00151883462, 
#>     otherPaymentPlans_bank >= 0.5 & job_skilled >= 0.5 & (duration < 
#>         33 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 16.5 ~ 0.00830426067, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & propertyMagnitude_car >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 
#>         2175.5 | is.na(creditAmount)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (duration < 16.5 | 
#>         is.na(duration)) ~ -0.00311905448, personalStatus_female.div.dep.mar >= 
#>         0.5 & propertyMagnitude_car >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (creditAmount < 2175.5 | is.na(creditAmount)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 16.5 | is.na(duration)) ~ -4.21595068e-05, 
#>     (creditAmount < 6108 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 1925.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 16.5 ~ -0.00699604908, 
#>     creditAmount >= 6108 & creditHistory_existing.paid >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 1925.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 16.5 ~ 0.00419585081, 
#>     propertyMagnitude_car >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & job_skilled >= 
#>         0.5 & (duration < 33 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 16.5 ~ -0.00730488682, (age < 31.5 | is.na(age)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         job_skilled >= 0.5 & (duration < 33 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 16.5 ~ 0.00361560402, 
#>     age >= 31.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         job_skilled >= 0.5 & (duration < 33 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 16.5 ~ -0.00176582427) + 
#>     case_when(employment_X.1 >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00169160916, otherParties_guarantor >= 0.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00633218652, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         checkingStatus_X..200 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0102697229, 
#>         installmentCommitment >= 3.5 & checkingStatus_X..200 >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00114218064, creditHistory_all.paid >= 0.5 & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00924897939, 
#>         (duration < 27 | is.na(duration)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00312991277, duration >= 27 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00460071163, (age < 24.5 | is.na(age)) & 
#>             otherPaymentPlans_none >= 0.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>             0.5 ~ -3.89340057e-05, age >= 24.5 & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00990067516, 
#>         duration >= 46.5 & personalStatus_male.single >= 0.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00627301028, (age < 23.5 | is.na(age)) & (duration < 
#>             22.5 | is.na(duration)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00418201648, 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             duration >= 22.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0131957466, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (duration < 46.5 | is.na(duration)) & personalStatus_male.single >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00717819389, (creditAmount < 1373 | is.na(creditAmount)) & 
#>             age >= 23.5 & (duration < 22.5 | is.na(duration)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00824262761, creditAmount >= 1373 & age >= 23.5 & 
#>             (duration < 22.5 | is.na(duration)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -3.74238989e-05, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & duration >= 22.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00986251421, 
#>         job_skilled >= 0.5 & personalStatus_female.div.dep.mar >= 
#>             0.5 & duration >= 22.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (otherParties_guarantor < 
#>             0.5 | is.na(otherParties_guarantor)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00113186077, 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & savingsStatus_X.100 >= 
#>             0.5 & (duration < 46.5 | is.na(duration)) & personalStatus_male.single >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00259804027, employment_X..7 >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & (duration < 46.5 | is.na(duration)) & personalStatus_male.single >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00466191489) + case_when(purpose_education >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.0075016343, propertyMagnitude_no.known.property >= 0.5 & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ -0.00115955796, 
#>     (otherParties_none < 0.5 | is.na(otherParties_none)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00430768821, (creditAmount < 674.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00785150286, personalStatus_male.single >= 0.5 & otherParties_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00955889933, (creditHistory_delayed.previously < 0.5 | 
#>         is.na(creditHistory_delayed.previously)) & existingCredits >= 
#>         1.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0052913609, creditHistory_delayed.previously >= 0.5 & 
#>         existingCredits >= 1.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00544765033, duration >= 40.5 & creditAmount >= 674.5 & 
#>         installmentCommitment >= 2.5 & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00721494015, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         otherParties_none >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0060702553, employment_X1..X.4 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & otherParties_none >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00168167078, (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0113926195, purpose_furniture.equipment >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00298989285, (age < 35 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00702203205, age >= 35 & propertyMagnitude_life.insurance >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00498263538, (age < 23.5 | is.na(age)) & (duration < 
#>         40.5 | is.na(duration)) & creditAmount >= 674.5 & installmentCommitment >= 
#>         2.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00727703935, (creditAmount < 2326.5 | is.na(creditAmount)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         age >= 23.5 & (duration < 40.5 | is.na(duration)) & creditAmount >= 
#>         674.5 & installmentCommitment >= 2.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00805612002, creditAmount >= 2326.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & age >= 23.5 & 
#>         (duration < 40.5 | is.na(duration)) & creditAmount >= 
#>         674.5 & installmentCommitment >= 2.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000424377562, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditHistory_existing.paid >= 0.5 & age >= 23.5 & (duration < 
#>         40.5 | is.na(duration)) & creditAmount >= 674.5 & installmentCommitment >= 
#>         2.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00740216719, ownTelephone_none >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & age >= 23.5 & (duration < 40.5 | is.na(duration)) & 
#>         creditAmount >= 674.5 & installmentCommitment >= 2.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000695160998) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00996850617, purpose_used.car >= 0.5 & duration >= 
#>     25.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00486407848, (age < 30.5 | is.na(age)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & duration >= 25.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0111689931, (age < 
#>     30.5 | is.na(age)) & employment_X4..X.7 >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (duration < 25.5 | 
#>     is.na(duration)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00924911071, age >= 30.5 & employment_X4..X.7 >= 0.5 & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 25.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.004000674, (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & installmentCommitment >= 
#>     3.5 & (duration < 25.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00839982461, savingsStatus_no.known.savings >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     installmentCommitment >= 3.5 & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000999554526, (age < 36.5 | is.na(age)) & otherPaymentPlans_bank >= 
#>     0.5 & installmentCommitment >= 3.5 & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00597482314, age >= 36.5 & otherPaymentPlans_bank >= 0.5 & 
#>     installmentCommitment >= 3.5 & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00471465057, age >= 41 & age >= 30.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & duration >= 25.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00733857416, installmentCommitment >= 
#>     2.5 & (age < 39.5 | is.na(age)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (installmentCommitment < 3.5 | 
#>     is.na(installmentCommitment)) & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00623280928, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     age >= 39.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 25.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.000637296063, creditHistory_existing.paid >= 
#>     0.5 & age >= 39.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 25.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00985004473, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (age < 41 | is.na(age)) & 
#>     age >= 30.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 25.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00700209523, creditHistory_existing.paid >= 0.5 & (age < 
#>     41 | is.na(age)) & age >= 30.5 & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 25.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00206870353, creditAmount >= 
#>     4130.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (age < 39.5 | is.na(age)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 25.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00580224628, (age < 
#>     26.5 | is.na(age)) & (creditAmount < 4130.5 | is.na(creditAmount)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (age < 39.5 | is.na(age)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 25.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00348766032, age >= 
#>     26.5 & (creditAmount < 4130.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (age < 39.5 | is.na(age)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 25.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00653820625) + 
#>     case_when(savingsStatus_X..1000 >= 0.5 & (creditAmount < 
#>         3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.00976518076, 
#>         (age < 40 | is.na(age)) & creditAmount >= 3812.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.00985093787, 
#>         age >= 40 & creditAmount >= 3812.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.000692263886, 
#>         (age < 23.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & personalStatus_male.single >= 
#>             0.5 ~ 0.00532999868, age >= 44.5 & otherPaymentPlans_bank >= 
#>             0.5 & personalStatus_male.single >= 0.5 ~ -0.00568459183, 
#>         purpose_new.car >= 0.5 & (savingsStatus_X..1000 < 0.5 | 
#>             is.na(savingsStatus_X..1000)) & (creditAmount < 3812.5 | 
#>             is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.00853531901, 
#>         (age < 37.5 | is.na(age)) & (age < 44.5 | is.na(age)) & 
#>             otherPaymentPlans_bank >= 0.5 & personalStatus_male.single >= 
#>             0.5 ~ 0.00228599063, age >= 37.5 & (age < 44.5 | 
#>             is.na(age)) & otherPaymentPlans_bank >= 0.5 & personalStatus_male.single >= 
#>             0.5 ~ 0.0139539493, creditAmount >= 7781 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & age >= 23.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             personalStatus_male.single >= 0.5 ~ 0.00114034966, 
#>         purpose_furniture.equipment >= 0.5 & checkingStatus_X.0 >= 
#>             0.5 & age >= 23.5 & (otherPaymentPlans_bank < 0.5 | 
#>             is.na(otherPaymentPlans_bank)) & personalStatus_male.single >= 
#>             0.5 ~ -0.00955214445, duration >= 13 & (duration < 
#>             16.5 | is.na(duration)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>             3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00799920317, 
#>         propertyMagnitude_real.estate >= 0.5 & duration >= 16.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.012095198, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             checkingStatus_X.0 >= 0.5 & age >= 23.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & personalStatus_male.single >= 
#>             0.5 ~ -0.000465047895, installmentCommitment >= 3.5 & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             checkingStatus_X.0 >= 0.5 & age >= 23.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & personalStatus_male.single >= 
#>             0.5 ~ 0.00793639384, creditAmount >= 1466.5 & (duration < 
#>             13 | is.na(duration)) & (duration < 16.5 | is.na(duration)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.00476253964, 
#>         (age < 27.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>             16.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00796539802, 
#>         age >= 27.5 & (propertyMagnitude_real.estate < 0.5 | 
#>             is.na(propertyMagnitude_real.estate)) & duration >= 
#>             16.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.00548802828, 
#>         employment_X1..X.4 >= 0.5 & (duration < 19.5 | is.na(duration)) & 
#>             (creditAmount < 7781 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & age >= 23.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00136892742, 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & duration >= 
#>             19.5 & (creditAmount < 7781 | is.na(creditAmount)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             age >= 23.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.0115873795, 
#>         residenceSince >= 3.5 & duration >= 19.5 & (creditAmount < 
#>             7781 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & age >= 23.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00528406072, 
#>         (creditAmount < 973.5 | is.na(creditAmount)) & (creditAmount < 
#>             1466.5 | is.na(creditAmount)) & (duration < 13 | 
#>             is.na(duration)) & (duration < 16.5 | is.na(duration)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ 0.000855985214, 
#>         creditAmount >= 973.5 & (creditAmount < 1466.5 | is.na(creditAmount)) & 
#>             (duration < 13 | is.na(duration)) & (duration < 16.5 | 
#>             is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (creditAmount < 3812.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) ~ -0.00754585909, 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (duration < 19.5 | is.na(duration)) & (creditAmount < 
#>             7781 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & age >= 23.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00879904162, 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (duration < 19.5 | is.na(duration)) & (creditAmount < 
#>             7781 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & age >= 23.5 & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             personalStatus_male.single >= 0.5 ~ -0.00376044237) + 
#>     case_when(purpose_used.car >= 0.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.00895477738, personalStatus_male.single >= 
#>         0.5 & employment_X.1 >= 0.5 ~ -0.00246793102, propertyMagnitude_car >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         employment_X.1 >= 0.5 ~ 0.00918353163, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & employment_X.1 >= 
#>         0.5 ~ -0.00365658244, installmentCommitment >= 2.5 & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         employment_X.1 >= 0.5 ~ 0.00761318905, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (housing_own < 0.5 | 
#>         is.na(housing_own)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00128245691, 
#>         installmentCommitment >= 3.5 & (ownTelephone_yes < 0.5 | 
#>             is.na(ownTelephone_yes)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00797129888, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             ownTelephone_yes >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00419407152, employment_X1..X.4 >= 0.5 & ownTelephone_yes >= 
#>             0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00418463349, age >= 41.5 & (creditAmount < 3914 | 
#>             is.na(creditAmount)) & housing_own >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00928951334, (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & creditAmount >= 
#>             3914 & housing_own >= 0.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (employment_X.1 < 0.5 | 
#>             is.na(employment_X.1)) ~ -0.00559217809, ownTelephone_yes >= 
#>             0.5 & creditAmount >= 3914 & housing_own >= 0.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00520330295, personalStatus_male.mar.wid >= 0.5 & 
#>             (age < 41.5 | is.na(age)) & (creditAmount < 3914 | 
#>             is.na(creditAmount)) & housing_own >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00723356055, (duration < 
#>             21 | is.na(duration)) & (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (age < 
#>             41.5 | is.na(age)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00894834381, duration >= 21 & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (age < 
#>             41.5 | is.na(age)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00181590975, (duration < 27 | is.na(duration)) & 
#>             ownTelephone_none >= 0.5 & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (age < 
#>             41.5 | is.na(age)) & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00238443469, duration >= 27 & ownTelephone_none >= 
#>             0.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (age < 41.5 | is.na(age)) & (creditAmount < 3914 | 
#>             is.na(creditAmount)) & housing_own >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00515159173) + 
#>     case_when(creditHistory_delayed.previously >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00207411172, employment_X..7 >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00717802392, 
#>         purpose_used.car >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00705860555, otherPaymentPlans_bank >= 0.5 & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             checkingStatus_no.checking >= 0.5 ~ 0.000268891425, 
#>         (creditAmount < 2241 | is.na(creditAmount)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00635426491, 
#>         creditAmount >= 2241 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00461076945, creditAmount >= 6944 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.000934646989, 
#>         (creditAmount < 2217.5 | is.na(creditAmount)) & (otherParties_none < 
#>             0.5 | is.na(otherParties_none)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0103963586, creditAmount >= 2217.5 & (otherParties_none < 
#>             0.5 | is.na(otherParties_none)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000757646572, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (creditAmount < 6944 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.0106994957, 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (age < 
#>             24.5 | is.na(age)) & otherParties_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0096528735, employment_X.1 >= 0.5 & (age < 24.5 | 
#>             is.na(age)) & otherParties_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0037050487, (age < 30.5 | is.na(age)) & employment_X1..X.4 >= 
#>             0.5 & (creditAmount < 6944 | is.na(creditAmount)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.000324923603, 
#>         age >= 30.5 & employment_X1..X.4 >= 0.5 & (creditAmount < 
#>             6944 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00872513652, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & age >= 
#>             24.5 & otherParties_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000988541753, purpose_business >= 0.5 & job_skilled >= 
#>             0.5 & age >= 24.5 & otherParties_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00680458313, (checkingStatus_X0..X.200 < 0.5 | 
#>             is.na(checkingStatus_X0..X.200)) & savingsStatus_X.100 >= 
#>             0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             age >= 24.5 & otherParties_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00987076666, checkingStatus_X0..X.200 >= 0.5 & 
#>             savingsStatus_X.100 >= 0.5 & (job_skilled < 0.5 | 
#>             is.na(job_skilled)) & age >= 24.5 & otherParties_none >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             otherPaymentPlans_none >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.000300466141, 
#>         (creditAmount < 2476.5 | is.na(creditAmount)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & job_skilled >= 0.5 & 
#>             age >= 24.5 & otherParties_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000974255265, creditAmount >= 2476.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & job_skilled >= 0.5 & 
#>             age >= 24.5 & otherParties_none >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & otherPaymentPlans_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00536103826) + case_when((duration < 11.5 | is.na(duration)) & 
#>     checkingStatus_X0..X.200 >= 0.5 ~ -0.00405144691, savingsStatus_no.known.savings >= 
#>     0.5 & duration >= 11.5 & checkingStatus_X0..X.200 >= 0.5 ~ 
#>     -0.00787161477, age >= 48 & (duration < 23 | is.na(duration)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>     -0.0031407997, (creditAmount < 2440 | is.na(creditAmount)) & 
#>     duration >= 23 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>     0.00314706308, creditAmount >= 4092.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & savingsStatus_X.100 >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>     0.00998418499, creditHistory_delayed.previously >= 0.5 & 
#>     otherPaymentPlans_none >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>     0.00719685899, age >= 36.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     11.5 & checkingStatus_X0..X.200 >= 0.5 ~ 0.00982614607, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (age < 48 | is.na(age)) & 
#>     (duration < 23 | is.na(duration)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00434960891, 
#>     residenceSince >= 2.5 & (age < 48 | is.na(age)) & (duration < 
#>         23 | is.na(duration)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.0109923761, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         creditAmount >= 2440 & duration >= 23 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00357168703, 
#>     creditHistory_existing.paid >= 0.5 & creditAmount >= 2440 & 
#>         duration >= 23 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.00987938233, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 4092.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         0.00444916543, ownTelephone_yes >= 0.5 & (creditAmount < 
#>         4092.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.00335911685, checkingStatus_no.checking >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & otherPaymentPlans_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.0092470916, 
#>     residenceSince >= 3.5 & (age < 36.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         11.5 & checkingStatus_X0..X.200 >= 0.5 ~ 0.00738593563, 
#>     (age < 28.5 | is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (age < 36.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         11.5 & checkingStatus_X0..X.200 >= 0.5 ~ 0.00275557209, 
#>     age >= 28.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (age < 36.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         11.5 & checkingStatus_X0..X.200 >= 0.5 ~ -0.00271921838, 
#>     creditAmount >= 2142.5 & (creditAmount < 3401 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         otherPaymentPlans_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         0.00599920982, (duration < 19 | is.na(duration)) & creditAmount >= 
#>         3401 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         otherPaymentPlans_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         0.000603867928, duration >= 19 & creditAmount >= 3401 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         otherPaymentPlans_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.0112854773, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (creditAmount < 2142.5 | is.na(creditAmount)) & (creditAmount < 
#>         3401 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & otherPaymentPlans_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00139747153, 
#>     residenceSince >= 3.5 & (creditAmount < 2142.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3401 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & otherPaymentPlans_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00779193034) + 
#>     case_when(employment_X4..X.7 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.0106213875, personalStatus_male.mar.wid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00495579932, (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 ~ 0.00499713933, otherParties_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 ~ -0.0081447931, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00866889209, propertyMagnitude_life.insurance >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.00328817987, propertyMagnitude_car >= 0.5 & existingCredits >= 
#>         1.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.00979647506, (creditAmount < 2994 | is.na(creditAmount)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         existingCredits >= 1.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) ~ -0.00278109615, creditAmount >= 
#>         2994 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         existingCredits >= 1.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) ~ -0.00904400367, (creditAmount < 
#>         2001.5 | is.na(creditAmount)) & (residenceSince < 1.5 | 
#>         is.na(residenceSince)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00813503005, creditAmount >= 
#>         2001.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.0025786974, checkingStatus_X..200 >= 
#>         0.5 & residenceSince >= 1.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.0039547286, (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & residenceSince >= 
#>         1.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00778641319, job_unskilled.resident >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         residenceSince >= 1.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00110533729, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & checkingStatus_no.checking >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         residenceSince >= 1.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00317530171, residenceSince >= 
#>         3.5 & checkingStatus_no.checking >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & residenceSince >= 
#>         1.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00386916543) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 ~ 0.0073259538, purpose_new.car >= 0.5 & otherPaymentPlans_bank >= 
#>     0.5 & (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.0094574783, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (age < 
#>         29.5 | is.na(age)) & duration >= 31.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00271033705, 
#>     existingCredits >= 1.5 & (age < 29.5 | is.na(age)) & duration >= 
#>         31.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.0106463283, checkingStatus_X.0 >= 0.5 & age >= 29.5 & 
#>         duration >= 31.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00445036031, 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>         0.5 & (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00339799933, 
#>     ownTelephone_yes >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         otherPaymentPlans_bank >= 0.5 & (duration < 31.5 | is.na(duration)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00752615416, (age < 41 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & age >= 29.5 & duration >= 
#>         31.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00848257914, age >= 41 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & age >= 29.5 & duration >= 
#>         31.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00207929732, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (age < 43.5 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 31.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0106574809, 
#>     checkingStatus_X0..X.200 >= 0.5 & (age < 43.5 | is.na(age)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00411496731, 
#>     (creditAmount < 2848 | is.na(creditAmount)) & age >= 43.5 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00643109856, 
#>     creditAmount >= 2848 & age >= 43.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 31.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00534764398, 
#>     creditAmount >= 2574 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         installmentCommitment >= 2.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 31.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00672923028, 
#>     creditAmount >= 3891.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00263615604, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 3891.5 | is.na(creditAmount)) & ownTelephone_yes >= 
#>         0.5 & installmentCommitment >= 2.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 31.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.002418363, 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 2574 | is.na(creditAmount)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00622765534, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         2574 | is.na(creditAmount)) & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & installmentCommitment >= 2.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00341688027, 
#>     (creditAmount < 1563 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 2574 | is.na(creditAmount)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00681292638, 
#>     creditAmount >= 1563 & checkingStatus_X0..X.200 >= 0.5 & 
#>         (creditAmount < 2574 | is.na(creditAmount)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 31.5 | is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00266424706, 
#>     (age < 31.5 | is.na(age)) & installmentCommitment >= 3.5 & 
#>         (creditAmount < 3891.5 | is.na(creditAmount)) & ownTelephone_yes >= 
#>         0.5 & installmentCommitment >= 2.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 31.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00330667314, 
#>     age >= 31.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>         3891.5 | is.na(creditAmount)) & ownTelephone_yes >= 0.5 & 
#>         installmentCommitment >= 2.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 31.5 | 
#>         is.na(duration)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0092148399) + 
#>     case_when((personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         purpose_used.car >= 0.5 ~ -0.0107497834, personalStatus_female.div.dep.mar >= 
#>         0.5 & purpose_used.car >= 0.5 ~ -0.00173992838, (duration < 
#>         9.5 | is.na(duration)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00961658079, checkingStatus_X.0 >= 
#>         0.5 & purpose_radio.tv >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00211931486, purpose_new.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & duration >= 
#>         9.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00429716054, (creditAmount < 4612.5 | is.na(creditAmount)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & duration >= 
#>         9.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00566428108, creditAmount >= 4612.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & duration >= 9.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00151125214, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00552613288, creditAmount >= 2122.5 & installmentCommitment >= 
#>         2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0110307168, job_unskilled.resident >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         purpose_radio.tv >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00911113527, checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.000522008981, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & purpose_radio.tv >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00301276497, propertyMagnitude_car >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         purpose_radio.tv >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00106024463, (duration < 22.5 | is.na(duration)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & duration >= 
#>         9.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00405290164, duration >= 22.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & duration >= 
#>         9.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00931819063, residenceSince >= 3.5 & creditHistory_existing.paid >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         duration >= 9.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00553819304, (duration < 13 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00875050668, (duration < 
#>         16.5 | is.na(duration)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (creditAmount < 2122.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.000251797319, duration >= 
#>         16.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (creditAmount < 2122.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0101751229, (duration < 
#>         12.5 | is.na(duration)) & existingCredits >= 1.5 & (creditAmount < 
#>         2122.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -3.16111182e-05, duration >= 
#>         12.5 & existingCredits >= 1.5 & (creditAmount < 2122.5 | 
#>         is.na(creditAmount)) & installmentCommitment >= 2.5 & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00499413675, (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & creditHistory_existing.paid >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         duration >= 9.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00413915608, savingsStatus_no.known.savings >= 0.5 & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & creditHistory_existing.paid >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         duration >= 9.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000189021128, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         duration >= 13 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherPaymentPlans_none >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000374450639, job_skilled >= 0.5 & duration >= 13 & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherPaymentPlans_none >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00445127767) + case_when(purpose_furniture.equipment >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.000116884949, checkingStatus_X0..X.200 >= 0.5 & savingsStatus_no.known.savings >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00966033898, 
#>     creditAmount >= 4709.5 & (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00176484697, creditAmount >= 2892 & purpose_radio.tv >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00200579991, employment_X1..X.4 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & savingsStatus_no.known.savings >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0058122687, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 4709.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00940592401, job_unskilled.resident >= 0.5 & 
#>         (creditAmount < 4709.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00292484183, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & employment_X.1 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00956164766, propertyMagnitude_real.estate >= 0.5 & 
#>         employment_X.1 >= 0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00129648822, personalStatus_male.single >= 0.5 & (creditAmount < 
#>         2892 | is.na(creditAmount)) & purpose_radio.tv >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00421508588, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         savingsStatus_no.known.savings >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00618797308, installmentCommitment >= 3.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & savingsStatus_no.known.savings >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00172920164, (duration < 13 | is.na(duration)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00119549036, (personalStatus_male.mar.wid < 0.5 | 
#>         is.na(personalStatus_male.mar.wid)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         2892 | is.na(creditAmount)) & purpose_radio.tv >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0075200717, personalStatus_male.mar.wid >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         2892 | is.na(creditAmount)) & purpose_radio.tv >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00177788583, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         duration >= 13 & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0117329778, (creditAmount < 3705 | is.na(creditAmount)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         personalStatus_male.single >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0106161423, creditAmount >= 3705 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00305384002, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         ownTelephone_none >= 0.5 & duration >= 13 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00605781004, installmentCommitment >= 2.5 & ownTelephone_none >= 
#>         0.5 & duration >= 13 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000136432049, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000607532973, otherPaymentPlans_none >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00543605676, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         installmentCommitment >= 3.5 & savingsStatus_X.100 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00194870704, employment_X1..X.4 >= 0.5 & installmentCommitment >= 
#>         3.5 & savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00704245362) + case_when(creditAmount >= 2787 & checkingStatus_X.0 >= 
#>     0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>     0.012971431, creditHistory_no.credits.all.paid >= 0.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & personalStatus_male.single >= 
#>     0.5 ~ 0.00269650132, (duration < 16.5 | is.na(duration)) & 
#>     (creditAmount < 2787 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>     0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>     -0.00326457759, duration >= 16.5 & (creditAmount < 2787 | 
#>     is.na(creditAmount)) & checkingStatus_X.0 >= 0.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) ~ 0.00598972524, 
#>     employment_X.1 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & personalStatus_male.single >= 
#>         0.5 ~ 0.00410511531, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         purpose_new.car >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ 0.000445317506, installmentCommitment >= 2.5 & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         purpose_new.car >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ -0.00511709508, (duration < 16.5 | is.na(duration)) & 
#>         ownTelephone_none >= 0.5 & purpose_new.car >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ -0.00281182677, duration >= 16.5 & ownTelephone_none >= 
#>         0.5 & purpose_new.car >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ 0.0106504019, (age < 28.5 | is.na(age)) & (duration < 
#>         16.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.00378470402, 
#>     age >= 28.5 & (duration < 16.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.00912930444, 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 16.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.00430552149, 
#>     employment_X1..X.4 >= 0.5 & duration >= 16.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ 0.00543773081, 
#>     (housing_own < 0.5 | is.na(housing_own)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         0.00162416988, housing_own >= 0.5 & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & checkingStatus_X0..X.200 >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         -0.00267086388, (age < 29 | is.na(age)) & job_skilled >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ 0.00932251289, 
#>     age >= 29 & job_skilled >= 0.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         -0.000137404728, age >= 53.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & personalStatus_male.single >= 
#>         0.5 ~ 0.00116439024, otherPaymentPlans_none >= 0.5 & 
#>         (age < 53.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & personalStatus_male.single >= 
#>         0.5 ~ -0.00919387583, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (age < 53.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & personalStatus_male.single >= 
#>         0.5 ~ -0.00694402494, savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (age < 53.5 | 
#>         is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & personalStatus_male.single >= 
#>         0.5 ~ 0.00169871922) + case_when(age >= 39.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00835209154, (age < 
#>     28.5 | is.na(age)) & (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0018171313, (age < 29.5 | is.na(age)) & (age < 39.5 | 
#>     is.na(age)) & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0100376969, (age < 38.5 | is.na(age)) & numDependents >= 
#>     1.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00363168819, age >= 
#>     38.5 & numDependents >= 1.5 & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00534670567, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     age >= 28.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.000591844786, job_skilled >= 
#>     0.5 & age >= 28.5 & (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.0115289604, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     creditHistory_existing.paid >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00135515444, installmentCommitment >= 1.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & creditHistory_existing.paid >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00743004493, age >= 
#>     29.5 & installmentCommitment >= 2.5 & creditHistory_existing.paid >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00566859823, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & age >= 29.5 & (age < 39.5 | 
#>     is.na(age)) & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000631834206, ownTelephone_none >= 0.5 & age >= 29.5 & 
#>     (age < 39.5 | is.na(age)) & (otherPaymentPlans_none < 0.5 | 
#>     is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00545399962, personalStatus_male.mar.wid >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000435195368, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     purpose_new.car >= 0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00633771159, installmentCommitment >= 
#>     3.5 & purpose_new.car >= 0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00831614155, (creditAmount < 
#>     1628.5 | is.na(creditAmount)) & (age < 29.5 | is.na(age)) & 
#>     installmentCommitment >= 2.5 & creditHistory_existing.paid >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.000407881307, creditAmount >= 
#>     1628.5 & (age < 29.5 | is.na(age)) & installmentCommitment >= 
#>     2.5 & creditHistory_existing.paid >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00298618665, purpose_business >= 0.5 & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00159185659, (creditAmount < 
#>     1497 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00468862569, creditAmount >= 
#>     1497 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (purpose_business < 0.5 | is.na(purpose_business)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0113998307, (age < 28 | is.na(age)) & 
#>     purpose_furniture.equipment >= 0.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00961649232, age >= 28 & 
#>     purpose_furniture.equipment >= 0.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.000551704841) + case_when((otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & creditHistory_all.paid >= 
#>     0.5 ~ 0.00120213034, otherPaymentPlans_none >= 0.5 & creditHistory_all.paid >= 
#>     0.5 ~ 0.00958861224, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00430888915, installmentCommitment >= 
#>     2.5 & (residenceSince < 1.5 | is.na(residenceSince)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00988030806, otherPaymentPlans_bank >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00198541954, age >= 43.5 & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & residenceSince >= 1.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00305651221, (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (age < 43.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & residenceSince >= 1.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0105093941, purpose_business >= 0.5 & (age < 43.5 | is.na(age)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00339502422, (age < 23.5 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>     0.5 & (age < 33.5 | is.na(age)) & installmentCommitment >= 
#>     2.5 & residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00164471962, checkingStatus_X.0 >= 
#>     0.5 & (numDependents < 1.5 | is.na(numDependents)) & age >= 
#>     33.5 & installmentCommitment >= 2.5 & residenceSince >= 1.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0013504026, (age < 40.5 | is.na(age)) & numDependents >= 
#>     1.5 & age >= 33.5 & installmentCommitment >= 2.5 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00547261769, age >= 40.5 & numDependents >= 1.5 & age >= 
#>     33.5 & installmentCommitment >= 2.5 & residenceSince >= 1.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000325848989, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (age < 27.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>     33.5 | is.na(age)) & installmentCommitment >= 2.5 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00749415578, checkingStatus_X0..X.200 >= 0.5 & (age < 27.5 | 
#>     is.na(age)) & (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (age < 33.5 | 
#>     is.na(age)) & installmentCommitment >= 2.5 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00241751783, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     age >= 27.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (age < 33.5 | 
#>     is.na(age)) & installmentCommitment >= 2.5 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00480620656, existingCredits >= 1.5 & age >= 27.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>     33.5 | is.na(age)) & installmentCommitment >= 2.5 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -1.40212214e-05, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     age >= 23.5 & personalStatus_female.div.dep.mar >= 0.5 & 
#>     (age < 33.5 | is.na(age)) & installmentCommitment >= 2.5 & 
#>     residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00471490808, propertyMagnitude_car >= 0.5 & age >= 23.5 & 
#>     personalStatus_female.div.dep.mar >= 0.5 & (age < 33.5 | 
#>     is.na(age)) & installmentCommitment >= 2.5 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0115161417, (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & age >= 33.5 & 
#>     installmentCommitment >= 2.5 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0104978345, creditHistory_delayed.previously >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & age >= 33.5 & 
#>     installmentCommitment >= 2.5 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0025385397) + case_when((creditAmount < 
#>     4468 | is.na(creditAmount)) & duration >= 34.5 ~ 0.0131463856, 
#>     employment_X1..X.4 >= 0.5 & creditAmount >= 3910 & (duration < 
#>         34.5 | is.na(duration)) ~ 0.0079492582, personalStatus_female.div.dep.mar >= 
#>         0.5 & creditAmount >= 4468 & duration >= 34.5 ~ 0.00691451645, 
#>     age >= 47 & otherPaymentPlans_bank >= 0.5 & (creditAmount < 
#>         3910 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         -0.00504949596, creditAmount >= 7491.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & creditAmount >= 3910 & 
#>         (duration < 34.5 | is.na(duration)) ~ 0.00927584711, 
#>     (age < 29.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         4468 & duration >= 34.5 ~ 0.00290137203, age >= 29.5 & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 4468 & duration >= 34.5 ~ -0.00869875681, 
#>     age >= 54 & age >= 35.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (creditAmount < 3910 | 
#>         is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         -0.00312626455, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & (age < 47 | 
#>         is.na(age)) & otherPaymentPlans_bank >= 0.5 & (creditAmount < 
#>         3910 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         0.000190762294, propertyMagnitude_life.insurance >= 0.5 & 
#>         (age < 47 | is.na(age)) & otherPaymentPlans_bank >= 0.5 & 
#>         (creditAmount < 3910 | is.na(creditAmount)) & (duration < 
#>         34.5 | is.na(duration)) ~ 0.00554095395, (age < 37.5 | 
#>         is.na(age)) & (creditAmount < 7491.5 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 3910 & (duration < 34.5 | is.na(duration)) ~ 
#>         -0.00359975477, age >= 37.5 & (creditAmount < 7491.5 | 
#>         is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 3910 & (duration < 34.5 | is.na(duration)) ~ 
#>         0.000283523346, (age < 22.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (age < 35.5 | 
#>         is.na(age)) & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 3910 | is.na(creditAmount)) & (duration < 
#>         34.5 | is.na(duration)) ~ -0.00579912402, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & checkingStatus_no.checking >= 
#>         0.5 & (age < 35.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         -0.00926328916, creditHistory_existing.paid >= 0.5 & 
#>         checkingStatus_no.checking >= 0.5 & (age < 35.5 | is.na(age)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 3910 | is.na(creditAmount)) & (duration < 
#>         34.5 | is.na(duration)) ~ -0.00359694194, job_skilled >= 
#>         0.5 & (age < 54 | is.na(age)) & age >= 35.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         -0.0112140412, propertyMagnitude_no.known.property >= 
#>         0.5 & age >= 22.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (age < 35.5 | is.na(age)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 3910 | is.na(creditAmount)) & (duration < 
#>         34.5 | is.na(duration)) ~ 0.010750277, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (age < 54 | is.na(age)) & age >= 
#>         35.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (creditAmount < 3910 | is.na(creditAmount)) & (duration < 
#>         34.5 | is.na(duration)) ~ -0.0058059725, checkingStatus_X.0 >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & (age < 
#>         54 | is.na(age)) & age >= 35.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         -0.000154870184, (creditAmount < 2524 | is.na(creditAmount)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         age >= 22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (age < 35.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         0.00267080637, creditAmount >= 2524 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         22.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (age < 35.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) ~ 
#>         -0.00664965622) + case_when((residenceSince < 2.5 | is.na(residenceSince)) & 
#>     creditHistory_no.credits.all.paid >= 0.5 ~ 0.000631375355, 
#>     residenceSince >= 2.5 & creditHistory_no.credits.all.paid >= 
#>         0.5 ~ 0.00931580737, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (age < 25.5 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00459164381, 
#>     housing_own >= 0.5 & (age < 25.5 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.0100699831, 
#>     age >= 45.5 & age >= 25.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00215841271, 
#>     otherPaymentPlans_bank >= 0.5 & (age < 45.5 | is.na(age)) & 
#>         age >= 25.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00193642837, propertyMagnitude_no.known.property >= 
#>         0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0013145057, 
#>     personalStatus_male.single >= 0.5 & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00613225251, 
#>     creditAmount >= 2308.5 & purpose_radio.tv >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00940738339, 
#>     (creditAmount < 1642.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (age < 45.5 | 
#>         is.na(age)) & age >= 25.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0031821935, 
#>     creditAmount >= 1642.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (age < 45.5 | is.na(age)) & 
#>         age >= 25.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.0110858008, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.011401902, 
#>     checkingStatus_no.checking >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & installmentCommitment >= 
#>         2.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00369341555, (creditAmount < 1303.5 | is.na(creditAmount)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & installmentCommitment >= 
#>         2.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00311440346, creditAmount >= 1303.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.000379494799, 
#>     age >= 47.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00410011457, (age < 28.5 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.0084289033, age >= 28.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00393600855, (age < 28.5 | is.na(age)) & (creditAmount < 
#>         2308.5 | is.na(creditAmount)) & purpose_radio.tv >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00620212173, age >= 28.5 & (creditAmount < 2308.5 | 
#>         is.na(creditAmount)) & purpose_radio.tv >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00509559503, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (age < 
#>         47.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.01129012, 
#>     existingCredits >= 1.5 & (age < 47.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00351261441) + 
#>     case_when((job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>         -0.00543493219, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>         3.5 ~ -0.00129098038, job_skilled >= 0.5 & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>         3.5 ~ -0.0094373934, employment_X.1 >= 0.5 & residenceSince >= 
#>         1.5 & installmentCommitment >= 3.5 ~ 0.0102597298, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_bank >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>         -0.00084251276, checkingStatus_no.checking >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>         0.00516760536, housing_rent >= 0.5 & job_skilled >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) ~ -0.00161082728, 
#>         (creditAmount < 6271.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ -0.0104883397, 
#>         creditAmount >= 6271.5 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ 0.00010370298, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             checkingStatus_X0..X.200 >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ -0.00756555703, 
#>         employment_X1..X.4 >= 0.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>             0.00201933575, (creditAmount < 3245 | is.na(creditAmount)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & job_skilled >= 
#>             0.5 & checkingStatus_X.0 >= 0.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ 0.000442077348, 
#>         creditAmount >= 3245 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>             0.00953567214, creditAmount >= 4224.5 & residenceSince >= 
#>             2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 ~ 0.00463178009, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 ~ 0.01144036, ownTelephone_yes >= 0.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & residenceSince >= 
#>             1.5 & installmentCommitment >= 3.5 ~ 0.000376635173, 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             propertyMagnitude_car >= 0.5 & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & residenceSince >= 
#>             1.5 & installmentCommitment >= 3.5 ~ 0.00182799436, 
#>         checkingStatus_no.checking >= 0.5 & propertyMagnitude_car >= 
#>             0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 ~ -0.00208463869, propertyMagnitude_life.insurance >= 
#>             0.5 & (creditAmount < 4224.5 | is.na(creditAmount)) & 
#>             residenceSince >= 2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 ~ -0.00855710264, (creditAmount < 1443.5 | is.na(creditAmount)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (creditAmount < 4224.5 | is.na(creditAmount)) & residenceSince >= 
#>             2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 ~ 0.00541930972, (duration < 25.5 | is.na(duration)) & 
#>             creditAmount >= 1443.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (creditAmount < 4224.5 | is.na(creditAmount)) & residenceSince >= 
#>             2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 ~ -0.00674347067, duration >= 25.5 & creditAmount >= 
#>             1443.5 & (propertyMagnitude_life.insurance < 0.5 | 
#>             is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>             4224.5 | is.na(creditAmount)) & residenceSince >= 
#>             2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             residenceSince >= 1.5 & installmentCommitment >= 
#>             3.5 ~ -0.000860533852) + case_when(age >= 44.5 & 
#>     (creditAmount < 3992.5 | is.na(creditAmount)) ~ -0.00920344237, 
#>     savingsStatus_no.known.savings >= 0.5 & creditAmount >= 3992.5 ~ 
#>         -0.00691652624, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (age < 44.5 | is.na(age)) & (creditAmount < 3992.5 | 
#>         is.na(creditAmount)) ~ -0.00275114342, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (age < 26.5 | is.na(age)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 3992.5 ~ 0.00365508278, propertyMagnitude_car >= 
#>         0.5 & (age < 26.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3992.5 ~ 0.0106067145, (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & ownTelephone_none >= 
#>         0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (age < 44.5 | is.na(age)) & (creditAmount < 3992.5 | 
#>         is.na(creditAmount)) ~ 0.0061317631, propertyMagnitude_car >= 
#>         0.5 & ownTelephone_none >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (age < 44.5 | 
#>         is.na(age)) & (creditAmount < 3992.5 | is.na(creditAmount)) ~ 
#>         0.0012369809, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (creditAmount < 3992.5 | 
#>         is.na(creditAmount)) ~ -0.00375058851, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3992.5 ~ 0.00404262822, (housing_own < 0.5 | is.na(housing_own)) & 
#>         installmentCommitment >= 2.5 & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3992.5 ~ 0.0123740649, housing_own >= 0.5 & installmentCommitment >= 
#>         2.5 & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3992.5 ~ -0.00208223355, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & otherPaymentPlans_none >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (creditAmount < 3992.5 | 
#>         is.na(creditAmount)) ~ -0.00959493779, purpose_furniture.equipment >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (creditAmount < 3992.5 | is.na(creditAmount)) ~ -0.00335670961, 
#>     personalStatus_male.single >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (creditAmount < 3992.5 | is.na(creditAmount)) ~ -0.00460226182, 
#>     purpose_furniture.equipment >= 0.5 & job_skilled >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (creditAmount < 3992.5 | 
#>         is.na(creditAmount)) ~ -0.00322959595, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & otherPaymentPlans_none >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         age >= 26.5 & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3992.5 ~ -0.00172499777, creditHistory_existing.paid >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & age >= 26.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         3992.5 ~ -0.00649084197, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (creditAmount < 3992.5 | is.na(creditAmount)) ~ 0.00488655362, 
#>     checkingStatus_X0..X.200 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         otherPaymentPlans_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (creditAmount < 3992.5 | is.na(creditAmount)) ~ 9.33754709e-05, 
#>     (age < 29.5 | is.na(age)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (creditAmount < 3992.5 | 
#>         is.na(creditAmount)) ~ 0.00575592322, age >= 29.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (creditAmount < 3992.5 | 
#>         is.na(creditAmount)) ~ 0.000985885505) + case_when(creditAmount >= 
#>     8068.5 & duration >= 28.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00138041424, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (duration < 16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00927834306, propertyMagnitude_life.insurance >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000908812042, (duration < 21.5 | is.na(duration)) & 
#>         duration >= 16.5 & checkingStatus_no.checking >= 0.5 ~ 
#>         0.00989784021, purpose_radio.tv >= 0.5 & (creditAmount < 
#>         8068.5 | is.na(creditAmount)) & duration >= 28.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0029072389, 
#>     purpose_new.car >= 0.5 & duration >= 21.5 & duration >= 16.5 & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00169682445, age >= 
#>         26.5 & (age < 39.5 | is.na(age)) & (creditAmount < 1370 | 
#>         is.na(creditAmount)) & (duration < 28.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0105899489, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         age >= 39.5 & (creditAmount < 1370 | is.na(creditAmount)) & 
#>         (duration < 28.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00747981109, 
#>     ownTelephone_none >= 0.5 & age >= 39.5 & (creditAmount < 
#>         1370 | is.na(creditAmount)) & (duration < 28.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0037896838, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 1370 & (duration < 28.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00242958963, personalStatus_male.single >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 1370 & 
#>         (duration < 28.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0108964909, 
#>     (creditAmount < 1877 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1370 & (duration < 28.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00716715027, (age < 33.5 | is.na(age)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 8068.5 | 
#>         is.na(creditAmount)) & duration >= 28.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0116358763, 
#>     age >= 33.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 8068.5 | is.na(creditAmount)) & duration >= 
#>         28.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00342675881, (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 21.5 & duration >= 
#>         16.5 & checkingStatus_no.checking >= 0.5 ~ -0.00981093012, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 21.5 & duration >= 
#>         16.5 & checkingStatus_no.checking >= 0.5 ~ -0.00276010111, 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (age < 26.5 | is.na(age)) & (age < 39.5 | is.na(age)) & 
#>         (creditAmount < 1370 | is.na(creditAmount)) & (duration < 
#>         28.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00336849387, 
#>     checkingStatus_X0..X.200 >= 0.5 & (age < 26.5 | is.na(age)) & 
#>         (age < 39.5 | is.na(age)) & (creditAmount < 1370 | is.na(creditAmount)) & 
#>         (duration < 28.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00402372517, 
#>     purpose_new.car >= 0.5 & creditAmount >= 1877 & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1370 & (duration < 28.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00540432567, propertyMagnitude_car >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & creditAmount >= 1877 & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 1370 & (duration < 
#>         28.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00125722121, 
#>     (age < 30 | is.na(age)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & creditAmount >= 1877 & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1370 & (duration < 28.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00032671346, age >= 30 & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & creditAmount >= 1877 & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1370 & (duration < 28.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00883707684) + case_when(purpose_new.car >= 0.5 & housing_rent >= 
#>     0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.00946549419, checkingStatus_X.0 >= 0.5 & purpose_radio.tv >= 
#>     0.5 & installmentCommitment >= 3.5 ~ 0.00226989319, (creditAmount < 
#>     4049.5 | is.na(creditAmount)) & residenceSince >= 2.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (installmentCommitment < 3.5 | 
#>     is.na(installmentCommitment)) ~ -0.00994404871, (creditAmount < 
#>     3520 | is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     housing_rent >= 0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -9.81251942e-05, creditAmount >= 3520 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & housing_rent >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00661047362, creditAmount >= 
#>     2822.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     installmentCommitment >= 3.5 ~ -0.00533837778, propertyMagnitude_car >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     purpose_radio.tv >= 0.5 & installmentCommitment >= 3.5 ~ 
#>     -0.00254792511, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3954 | is.na(creditAmount)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -0.0103911376, checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>     3954 | is.na(creditAmount)) & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00116119825, (creditAmount < 
#>     5948.5 | is.na(creditAmount)) & creditAmount >= 3954 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.00931681506, creditAmount >= 5948.5 & creditAmount >= 3954 & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (installmentCommitment < 3.5 | 
#>     is.na(installmentCommitment)) ~ 0.000763460004, (creditAmount < 
#>     5215.5 | is.na(creditAmount)) & creditAmount >= 4049.5 & 
#>     residenceSince >= 2.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.00636173273, creditAmount >= 5215.5 & creditAmount >= 4049.5 & 
#>     residenceSince >= 2.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -0.0106400931, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ -0.000618777412, propertyMagnitude_life.insurance >= 
#>     0.5 & ownTelephone_yes >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ -0.00578038907, (creditAmount < 1722.5 | is.na(creditAmount)) & 
#>     (creditAmount < 2822.5 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     installmentCommitment >= 3.5 ~ -0.00415024627, creditAmount >= 
#>     1722.5 & (creditAmount < 2822.5 | is.na(creditAmount)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ 0.00602610176, (creditAmount < 1564.5 | is.na(creditAmount)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     purpose_radio.tv >= 0.5 & installmentCommitment >= 3.5 ~ 
#>     -0.0096340673, creditAmount >= 1564.5 & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & purpose_radio.tv >= 0.5 & 
#>     installmentCommitment >= 3.5 ~ -0.00368190603, age >= 36.5 & 
#>     residenceSince >= 1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ 0.0149757378, (duration < 25.5 | is.na(duration)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     ownTelephone_yes >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ -0.00123658869, duration >= 25.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & ownTelephone_yes >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ 0.00831148401, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (age < 36.5 | is.na(age)) & residenceSince >= 1.5 & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ -4.47172424e-05, checkingStatus_X.0 >= 0.5 & (age < 
#>     36.5 | is.na(age)) & residenceSince >= 1.5 & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>     3.5 ~ 0.00889846124) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00666685728, creditAmount >= 7973.5 & savingsStatus_X.100 >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00707928464, propertyMagnitude_life.insurance >= 0.5 & 
#>     housing_rent >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00982582197, otherPaymentPlans_stores >= 0.5 & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00943269301, propertyMagnitude_life.insurance >= 0.5 & 
#>     (age < 30.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00878278539, (numDependents < 1.5 | is.na(numDependents)) & 
#>     age >= 30.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0104806041, numDependents >= 1.5 & age >= 30.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00323491776, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & housing_rent >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00273383828, installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & housing_rent >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0108601917, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (age < 30.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00790408626, installmentCommitment >= 3.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (age < 30.5 | 
#>     is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00125800411, purpose_new.car >= 0.5 & creditAmount >= 
#>     3390 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>     (creditAmount < 7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000310934702, creditAmount >= 2230 & checkingStatus_X.0 >= 
#>     0.5 & (creditAmount < 3390 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00834428612, employment_X.1 >= 0.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & creditAmount >= 3390 & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00240132003, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3390 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00219660136, residenceSince >= 2.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 3390 | 
#>     is.na(creditAmount)) & (otherPaymentPlans_stores < 0.5 | 
#>     is.na(otherPaymentPlans_stores)) & (creditAmount < 7973.5 | 
#>     is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00961085502, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & installmentCommitment >= 3.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3390 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00305677764, residenceSince >= 2.5 & installmentCommitment >= 
#>     3.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3390 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00330203655, (duration < 16.5 | is.na(duration)) & (creditAmount < 
#>     2230 | is.na(creditAmount)) & checkingStatus_X.0 >= 0.5 & 
#>     (creditAmount < 3390 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00353816594, duration >= 16.5 & (creditAmount < 2230 | 
#>     is.na(creditAmount)) & checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>     3390 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00514870742, (duration < 39 | is.na(duration)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     creditAmount >= 3390 & (otherPaymentPlans_stores < 0.5 | 
#>     is.na(otherPaymentPlans_stores)) & (creditAmount < 7973.5 | 
#>     is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.012453936, duration >= 
#>     39 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & creditAmount >= 3390 & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & (creditAmount < 
#>     7973.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00448602531) + case_when(duration >= 21.5 & checkingStatus_no.checking >= 
#>     0.5 ~ -0.00864760205, (creditAmount < 1681 | is.na(creditAmount)) & 
#>     savingsStatus_no.known.savings >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00303837773, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (duration < 21.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0060478556, (age < 26.5 | is.na(age)) & creditAmount >= 
#>         3954 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0103193372, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 1681 & savingsStatus_no.known.savings >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00983848702, checkingStatus_X.0 >= 0.5 & creditAmount >= 
#>         1681 & savingsStatus_no.known.savings >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00234725582, 
#>     (age < 30.5 | is.na(age)) & installmentCommitment >= 2.5 & 
#>         (duration < 21.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00421820022, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00737275276, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         age >= 30.5 & installmentCommitment >= 2.5 & (duration < 
#>         21.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00302759674, otherPaymentPlans_none >= 0.5 & 
#>         age >= 30.5 & installmentCommitment >= 2.5 & (duration < 
#>         21.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00843591988, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X.0 >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00160300732, 
#>     propertyMagnitude_life.insurance >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000571029494, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & installmentCommitment >= 
#>         2.5 & (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.010387416, 
#>     job_skilled >= 0.5 & (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 3954 | 
#>         is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000607083377, 
#>     (creditAmount < 6138.5 | is.na(creditAmount)) & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & age >= 26.5 & creditAmount >= 
#>         3954 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0059689749, creditAmount >= 6138.5 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & age >= 26.5 & creditAmount >= 
#>         3954 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0017564696, (creditAmount < 6417.5 | is.na(creditAmount)) & 
#>         residenceSince >= 2.5 & age >= 26.5 & creditAmount >= 
#>         3954 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.008136902, creditAmount >= 6417.5 & residenceSince >= 
#>         2.5 & age >= 26.5 & creditAmount >= 3954 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00262279599, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & otherParties_none >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00893618912, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherParties_none >= 0.5 & installmentCommitment >= 2.5 & 
#>         (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 5.70416632e-05, 
#>     propertyMagnitude_car >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & otherParties_none >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0082568517, 
#>     (creditAmount < 1338.5 | is.na(creditAmount)) & personalStatus_male.single >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherParties_none >= 0.5 & installmentCommitment >= 2.5 & 
#>         (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00962800533, 
#>     creditAmount >= 1338.5 & personalStatus_male.single >= 0.5 & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherParties_none >= 0.5 & installmentCommitment >= 2.5 & 
#>         (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000239517482, 
#>     (creditAmount < 1832.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & checkingStatus_X0..X.200 >= 0.5 & otherParties_none >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00222857296, 
#>     creditAmount >= 1832.5 & savingsStatus_X.100 >= 0.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & otherParties_none >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditAmount < 3954 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00436795596) + 
#>     case_when(purpose_new.car >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 ~ 0.0115986448, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00996684376, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>             0.5 ~ 0.00560767343, duration >= 43.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00366661116, 
#>         residenceSince >= 2.5 & employment_X.1 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00797349028, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & installmentCommitment >= 
#>             3.5 & checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -7.27930019e-05, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             residenceSince >= 2.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>             0.5 ~ -0.00688701542, installmentCommitment >= 3.5 & 
#>             residenceSince >= 2.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>             0.5 ~ -0.000453016401, (age < 26.5 | is.na(age)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             employment_X.1 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00250698463, 
#>         age >= 26.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             employment_X.1 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00502605271, 
#>         (age < 30 | is.na(age)) & job_skilled >= 0.5 & installmentCommitment >= 
#>             3.5 & checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.000604126952, 
#>         age >= 30 & job_skilled >= 0.5 & installmentCommitment >= 
#>             3.5 & checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00934797339, 
#>         personalStatus_female.div.dep.mar >= 0.5 & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (duration < 43.5 | 
#>             is.na(duration)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             0.0064714211, personalStatus_male.div.sep >= 0.5 & 
#>             residenceSince >= 2.5 & (duration < 43.5 | is.na(duration)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             0.00101265858, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (duration < 43.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.000460784242, 
#>         numDependents >= 1.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & residenceSince >= 
#>             2.5 & (duration < 43.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.000727562874, 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             installmentCommitment >= 2.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (duration < 43.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00970750581, 
#>         checkingStatus_X.0 >= 0.5 & installmentCommitment >= 
#>             2.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>             is.na(personalStatus_female.div.dep.mar)) & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (duration < 43.5 | 
#>             is.na(duration)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             -0.00152072497, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & residenceSince >= 
#>             2.5 & (duration < 43.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00987803843, 
#>         employment_X1..X.4 >= 0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             residenceSince >= 2.5 & (duration < 43.5 | is.na(duration)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             -0.00434966665) + case_when(creditAmount >= 3505.5 & 
#>     (creditAmount < 3792 | is.na(creditAmount)) ~ -0.0106268134, 
#>     foreignWorker_no >= 0.5 & (creditAmount < 3505.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.0097342832, 
#>     (age < 31.5 | is.na(age)) & (creditAmount < 5112.5 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 3792 ~ -0.000510763377, age >= 31.5 & 
#>         (creditAmount < 5112.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & creditAmount >= 3792 ~ 
#>         0.00526774116, purpose_new.car >= 0.5 & creditAmount >= 
#>         5112.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 3792 ~ 0.00406488776, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & employment_X1..X.4 >= 0.5 & 
#>         creditAmount >= 3792 ~ 0.0104560386, residenceSince >= 
#>         2.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         employment_X1..X.4 >= 0.5 & creditAmount >= 3792 ~ 0.00196600263, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         ownTelephone_none >= 0.5 & employment_X1..X.4 >= 0.5 & 
#>         creditAmount >= 3792 ~ -0.00226007006, propertyMagnitude_car >= 
#>         0.5 & ownTelephone_none >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & creditAmount >= 3792 ~ 0.0060273218, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & creditAmount >= 5112.5 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 3792 ~ -1.67330072e-05, (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (creditAmount < 3505.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.00708861463, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         checkingStatus_no.checking >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (creditAmount < 3505.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.00893290248, 
#>     (age < 35.5 | is.na(age)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & purpose_new.car >= 
#>         0.5 & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (creditAmount < 3505.5 | is.na(creditAmount)) & (creditAmount < 
#>         3792 | is.na(creditAmount)) ~ 0.00240083248, age >= 35.5 & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         purpose_new.car >= 0.5 & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (creditAmount < 3505.5 | is.na(creditAmount)) & (creditAmount < 
#>         3792 | is.na(creditAmount)) ~ -0.00528756622, (age < 
#>         28.5 | is.na(age)) & creditHistory_existing.paid >= 0.5 & 
#>         purpose_new.car >= 0.5 & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (creditAmount < 3505.5 | is.na(creditAmount)) & (creditAmount < 
#>         3792 | is.na(creditAmount)) ~ 0.00975977071, age >= 28.5 & 
#>         creditHistory_existing.paid >= 0.5 & purpose_new.car >= 
#>         0.5 & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (creditAmount < 3505.5 | is.na(creditAmount)) & (creditAmount < 
#>         3792 | is.na(creditAmount)) ~ 0.0032993604, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & personalStatus_male.single >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditAmount >= 5112.5 & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & creditAmount >= 3792 ~ -0.010402468, 
#>     checkingStatus_X.0 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditAmount >= 5112.5 & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & creditAmount >= 3792 ~ -0.00176288898, 
#>     employment_X4..X.7 >= 0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (creditAmount < 3505.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.00736145349, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & propertyMagnitude_car >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (creditAmount < 3505.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ 0.00251333625, 
#>     purpose_radio.tv >= 0.5 & propertyMagnitude_car >= 0.5 & 
#>         checkingStatus_no.checking >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (creditAmount < 3505.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.00827067718, 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & otherParties_none >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (foreignWorker_no < 
#>         0.5 | is.na(foreignWorker_no)) & (creditAmount < 3505.5 | 
#>         is.na(creditAmount)) & (creditAmount < 3792 | is.na(creditAmount)) ~ 
#>         0.00331720291, employment_X..7 >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & otherParties_none >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (foreignWorker_no < 
#>         0.5 | is.na(foreignWorker_no)) & (creditAmount < 3505.5 | 
#>         is.na(creditAmount)) & (creditAmount < 3792 | is.na(creditAmount)) ~ 
#>         -0.00392282195) + case_when(creditAmount >= 7844.5 & 
#>     (duration < 33 | is.na(duration)) ~ 0.0121108871, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (age < 29.5 | is.na(age)) & 
#>     duration >= 33 ~ 0.00388848619, ownTelephone_yes >= 0.5 & 
#>     (age < 29.5 | is.na(age)) & duration >= 33 ~ 0.0136043746, 
#>     (age < 36.5 | is.na(age)) & age >= 29.5 & duration >= 33 ~ 
#>         -0.00872342475, age >= 36.5 & age >= 29.5 & duration >= 
#>         33 ~ 0.00583885517, creditHistory_no.credits.all.paid >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (creditAmount < 7844.5 | is.na(creditAmount)) & (duration < 
#>         33 | is.na(duration)) ~ 0.00712122303, (duration < 13.5 | 
#>         is.na(duration)) & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         numDependents >= 1.5 & (creditAmount < 7844.5 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) ~ -0.00657511223, duration >= 
#>         13.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         numDependents >= 1.5 & (creditAmount < 7844.5 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) ~ 0.00327486056, (creditAmount < 
#>         1258 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & numDependents >= 1.5 & (creditAmount < 7844.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         0.0135944448, creditAmount >= 1258 & installmentCommitment >= 
#>         3.5 & numDependents >= 1.5 & (creditAmount < 7844.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         0.00293227588, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         7844.5 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         -0.00918090064, housing_rent >= 0.5 & purpose_new.car >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         7844.5 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         0.0108064553, personalStatus_male.div.sep >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 7844.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         0.00182729121, age >= 36 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         purpose_new.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 7844.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         -0.00763244601, (creditAmount < 771 | is.na(creditAmount)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 7844.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         -0.00031235881, creditAmount >= 771 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 7844.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         -0.00681445887, (creditAmount < 1538 | is.na(creditAmount)) & 
#>         (age < 36 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         purpose_new.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 7844.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         0.00582243688, creditAmount >= 1538 & (age < 36 | is.na(age)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & purpose_new.car >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         7844.5 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) ~ 
#>         -0.000183386277) + case_when((residenceSince < 3.5 | 
#>     is.na(residenceSince)) & (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00746120745, residenceSince >= 
#>     3.5 & (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00212987489, (creditAmount < 
#>     922 | is.na(creditAmount)) & (creditAmount < 1463.5 | is.na(creditAmount)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00367895421, duration >= 
#>     37.5 & creditAmount >= 1463.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00863283407, (creditAmount < 1279 | is.na(creditAmount)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     residenceSince >= 2.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00198541884, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & otherParties_none >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00304071116, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & existingCredits >= 
#>     1.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00674011512, (age < 30.5 | is.na(age)) & creditAmount >= 
#>     922 & (creditAmount < 1463.5 | is.na(creditAmount)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.0101086469, age >= 30.5 & 
#>     creditAmount >= 922 & (creditAmount < 1463.5 | is.na(creditAmount)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00378367235, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & creditAmount >= 1279 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & residenceSince >= 
#>     2.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00383848022, job_skilled >= 0.5 & creditAmount >= 1279 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     residenceSince >= 2.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0100781936, purpose_radio.tv >= 0.5 & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & checkingStatus_X0..X.200 >= 
#>     0.5 & residenceSince >= 2.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00101283425, (creditAmount < 
#>     2474 | is.na(creditAmount)) & propertyMagnitude_car >= 0.5 & 
#>     checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 2.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000980006065, creditAmount >= 2474 & propertyMagnitude_car >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 
#>     2.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00380757242, (creditAmount < 1861.5 | is.na(creditAmount)) & 
#>     installmentCommitment >= 2.5 & existingCredits >= 1.5 & otherParties_none >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00187497505, creditAmount >= 
#>     1861.5 & installmentCommitment >= 2.5 & existingCredits >= 
#>     1.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>     0.00737542426, (age < 26.5 | is.na(age)) & (age < 33.5 | 
#>     is.na(age)) & (duration < 37.5 | is.na(duration)) & creditAmount >= 
#>     1463.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00559520535, propertyMagnitude_car >= 0.5 & age >= 33.5 & 
#>     (duration < 37.5 | is.na(duration)) & creditAmount >= 1463.5 & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00907305907, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & checkingStatus_X0..X.200 >= 
#>     0.5 & residenceSince >= 2.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00177861727, personalStatus_male.single >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 2.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00931305718, (creditAmount < 2444.5 | is.na(creditAmount)) & 
#>     (age < 28.5 | is.na(age)) & residenceSince >= 1.5 & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & otherParties_none >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00479081552, creditAmount >= 
#>     2444.5 & (age < 28.5 | is.na(age)) & residenceSince >= 1.5 & 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & otherParties_none >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00512246415, age >= 
#>     51.5 & age >= 28.5 & residenceSince >= 1.5 & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & otherParties_none >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ -3.54364674e-05, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & age >= 26.5 & (age < 33.5 | 
#>     is.na(age)) & (duration < 37.5 | is.na(duration)) & creditAmount >= 
#>     1463.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.010449077, existingCredits >= 1.5 & age >= 26.5 & (age < 
#>     33.5 | is.na(age)) & (duration < 37.5 | is.na(duration)) & 
#>     creditAmount >= 1463.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00289133214, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     age >= 33.5 & (duration < 37.5 | is.na(duration)) & creditAmount >= 
#>     1463.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000592385593, creditHistory_existing.paid >= 0.5 & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & age >= 33.5 & (duration < 
#>     37.5 | is.na(duration)) & creditAmount >= 1463.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ 0.00505921105, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (age < 51.5 | is.na(age)) & 
#>     age >= 28.5 & residenceSince >= 1.5 & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & otherParties_none >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00468040165, installmentCommitment >= 
#>     3.5 & (age < 51.5 | is.na(age)) & age >= 28.5 & residenceSince >= 
#>     1.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 0.012067345) + 
#>     case_when(checkingStatus_no.checking >= 0.5 & (creditAmount < 
#>         4038.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) ~ -0.00906585157, 
#>         (creditAmount < 647 | is.na(creditAmount)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>             3.5 ~ -0.00510140508, propertyMagnitude_life.insurance >= 
#>             0.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>             3.5 ~ -0.00885613635, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (creditAmount < 5187 | is.na(creditAmount)) & creditAmount >= 
#>             4038.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>             0.0023774039, ownTelephone_yes >= 0.5 & (creditAmount < 
#>             5187 | is.na(creditAmount)) & creditAmount >= 4038.5 & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>             0.00898998324, numDependents >= 1.5 & creditAmount >= 
#>             647 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             installmentCommitment >= 3.5 ~ 0.0106793465, (age < 
#>             25.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             4038.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ 0.00790793728, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             propertyMagnitude_real.estate >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             4038.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ -0.00993283186, 
#>         employment_X1..X.4 >= 0.5 & propertyMagnitude_real.estate >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 4038.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ -0.00313227111, 
#>         (creditAmount < 8372 | is.na(creditAmount)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & creditAmount >= 
#>             5187 & creditAmount >= 4038.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ -0.0118986247, 
#>         creditAmount >= 8372 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             creditAmount >= 5187 & creditAmount >= 4038.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ 0.00201769033, 
#>         (creditAmount < 6861 | is.na(creditAmount)) & ownTelephone_yes >= 
#>             0.5 & creditAmount >= 5187 & creditAmount >= 4038.5 & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>             -0.00506602088, creditAmount >= 6861 & ownTelephone_yes >= 
#>             0.5 & creditAmount >= 5187 & creditAmount >= 4038.5 & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>             0.0052481005, (creditAmount < 1890 | is.na(creditAmount)) & 
#>             (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>             3.5 ~ -0.00169905787, creditAmount >= 1890 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>             3.5 ~ 0.00676528597, (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & creditHistory_existing.paid >= 
#>             0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>             3.5 ~ 0.000368711015, purpose_furniture.equipment >= 
#>             0.5 & age >= 25.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             4038.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ -0.00709245494, 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 30.5 | is.na(age)) & (numDependents < 1.5 | 
#>             is.na(numDependents)) & creditAmount >= 647 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>             3.5 ~ 0.00925852545, propertyMagnitude_life.insurance >= 
#>             0.5 & (age < 30.5 | is.na(age)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & creditAmount >= 647 & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             installmentCommitment >= 3.5 ~ -0.000846691022, checkingStatus_no.checking >= 
#>             0.5 & age >= 30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             creditAmount >= 647 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             installmentCommitment >= 3.5 ~ -0.00818385091, (age < 
#>             36.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & creditHistory_existing.paid >= 0.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>             3.5 ~ -0.00635314733, age >= 36.5 & personalStatus_male.single >= 
#>             0.5 & creditHistory_existing.paid >= 0.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>             3.5 ~ -0.00238750316, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             age >= 25.5 & (propertyMagnitude_real.estate < 0.5 | 
#>             is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             4038.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ -0.00449076109, 
#>         purpose_new.car >= 0.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & age >= 
#>             25.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 4038.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) ~ 0.00414604833, 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             age >= 30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             creditAmount >= 647 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             installmentCommitment >= 3.5 ~ 0.00468654558, propertyMagnitude_car >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             age >= 30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             creditAmount >= 647 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             installmentCommitment >= 3.5 ~ -0.00206829328) + 
#>     case_when(job_unskilled.resident >= 0.5 & housing_own >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -6.82440732e-05, personalStatus_female.div.dep.mar >= 
#>         0.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00512861414, age >= 60.5 & 
#>         residenceSince >= 1.5 & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.00513384491, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (age < 30.5 | is.na(age)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.000438131334, installmentCommitment >= 3.5 & (age < 
#>         30.5 | is.na(age)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.00856390595, (duration < 22 | is.na(duration)) & age >= 
#>         30.5 & (housing_own < 0.5 | is.na(housing_own)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ 0.00421325862, duration >= 
#>         22 & age >= 30.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.0066739684, checkingStatus_X.0 >= 0.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & housing_own >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.000252148398, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00362696126, installmentCommitment >= 2.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00474717142, otherParties_guarantor >= 0.5 & 
#>         (age < 60.5 | is.na(age)) & residenceSince >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.0043119411, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         housing_own >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.0110342996, personalStatus_male.mar.wid >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (age < 60.5 | 
#>         is.na(age)) & residenceSince >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00312848599, (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         housing_own >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.00502127642, checkingStatus_no.checking >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         housing_own >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.0013157276, existingCredits >= 2.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (age < 60.5 | 
#>         is.na(age)) & residenceSince >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00371280196, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (existingCredits < 
#>         2.5 | is.na(existingCredits)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (age < 60.5 | 
#>         is.na(age)) & residenceSince >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00109544746, purpose_furniture.equipment >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (existingCredits < 2.5 | is.na(existingCredits)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (age < 60.5 | 
#>         is.na(age)) & residenceSince >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00516934227, (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         installmentCommitment >= 2.5 & (existingCredits < 2.5 | 
#>         is.na(existingCredits)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (age < 60.5 | 
#>         is.na(age)) & residenceSince >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00774053391, purpose_used.car >= 0.5 & installmentCommitment >= 
#>         2.5 & (existingCredits < 2.5 | is.na(existingCredits)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (age < 60.5 | is.na(age)) & residenceSince >= 1.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.000418408279) + case_when(savingsStatus_X500..X.1000 >= 
#>     0.5 ~ -0.0103814043, (foreignWorker_yes < 0.5 | is.na(foreignWorker_yes)) & 
#>     (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>     -0.00905685313, creditHistory_all.paid >= 0.5 & foreignWorker_yes >= 
#>     0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>     0.00716613932, (duration < 8.5 | is.na(duration)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>     0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>     -0.00884469971, purpose_furniture.equipment >= 0.5 & (age < 
#>     34.5 | is.na(age)) & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & duration >= 8.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>     0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>     -0.00113239256, (duration < 16.5 | is.na(duration)) & age >= 
#>     34.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     duration >= 8.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     foreignWorker_yes >= 0.5 & (savingsStatus_X500..X.1000 < 
#>     0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00890486967, 
#>     duration >= 16.5 & age >= 34.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & duration >= 
#>         8.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         foreignWorker_yes >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -9.08962011e-06, 
#>     propertyMagnitude_car >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & personalStatus_male.single >= 
#>         0.5 & duration >= 8.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         0.00740322936, (duration < 21.5 | is.na(duration)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (age < 34.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & duration >= 
#>         8.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         foreignWorker_yes >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00663206074, 
#>     duration >= 21.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (age < 34.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & duration >= 
#>         8.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         foreignWorker_yes >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00235113362, 
#>     (age < 39.5 | is.na(age)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & personalStatus_male.single >= 
#>         0.5 & duration >= 8.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         0.0028005077, age >= 39.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & personalStatus_male.single >= 
#>         0.5 & duration >= 8.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         -0.00418282673, (age < 45 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherPaymentPlans_none >= 0.5 & personalStatus_male.single >= 
#>         0.5 & duration >= 8.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         -0.00399067113, age >= 45 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherPaymentPlans_none >= 0.5 & personalStatus_male.single >= 
#>         0.5 & duration >= 8.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         0.00733301463, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         otherPaymentPlans_none >= 0.5 & personalStatus_male.single >= 
#>         0.5 & duration >= 8.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         -0.0106298774, propertyMagnitude_car >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & personalStatus_male.single >= 
#>         0.5 & duration >= 8.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & foreignWorker_yes >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         -0.00375373941) + case_when(savingsStatus_no.known.savings >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     -0.00228631007, creditHistory_delayed.previously >= 0.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>     -0.000278766791, creditHistory_critical.other.existing.credit >= 
#>     0.5 & employment_X.1 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>     -0.00520475488, purpose_new.car >= 0.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.0118567357, creditAmount >= 
#>     7823.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>     0.5 ~ 0.00828482769, age >= 30.5 & checkingStatus_no.checking >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>     0.5 ~ -0.0088378489, residenceSince >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     employment_X.1 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 0.0092289187, 
#>     numDependents >= 1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>         0.0105882585, purpose_used.car >= 0.5 & (creditAmount < 
#>         7823.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ -0.00693634991, (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (age < 30.5 | is.na(age)) & 
#>         checkingStatus_no.checking >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ 0.00199516094, propertyMagnitude_car >= 0.5 & (age < 
#>         30.5 | is.na(age)) & checkingStatus_no.checking >= 0.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ -0.00328682084, (creditAmount < 2994 | is.na(creditAmount)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         employment_X.1 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>         -0.00142323773, creditAmount >= 2994 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         employment_X.1 >= 0.5 & otherPaymentPlans_none >= 0.5 ~ 
#>         0.00415643211, (age < 26 | is.na(age)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) ~ 0.00528314291, 
#>     (age < 34.5 | is.na(age)) & age >= 26 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) ~ -0.00937755592, 
#>     age >= 34.5 & age >= 26 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) ~ 0.00347430934, 
#>     (age < 30.5 | is.na(age)) & duration >= 28.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 7823.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ 0.00903322268, age >= 30.5 & duration >= 28.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 7823.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ 0.000519336434, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (age < 32.5 | is.na(age)) & (duration < 28.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 7823.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ -0.00893101003, ownTelephone_yes >= 0.5 & (age < 
#>         32.5 | is.na(age)) & (duration < 28.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 7823.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ -0.000405400177, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 32.5 & (duration < 28.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 7823.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ 0.00614323234, ownTelephone_yes >= 0.5 & age >= 
#>         32.5 & (duration < 28.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 7823.5 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>         0.5 ~ -0.00450507412) + case_when(purpose_used.car >= 
#>     0.5 ~ -0.00942732859, purpose_education >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) ~ 0.00588454073, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & job_unskilled.resident >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00712166633, 
#>     installmentCommitment >= 3.5 & job_unskilled.resident >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00797417946, (creditAmount < 678 | is.na(creditAmount)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (duration < 
#>         17 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00627925247, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         existingCredits >= 1.5 & (duration < 17 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00839423947, installmentCommitment >= 
#>         2.5 & existingCredits >= 1.5 & (duration < 17 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00226105587, (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & employment_X..7 >= 0.5 & 
#>         duration >= 17 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00406851061, purpose_new.car >= 
#>         0.5 & employment_X..7 >= 0.5 & duration >= 17 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.001829891, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (age < 28.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00672026817, residenceSince >= 
#>         2.5 & (age < 28.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00642175181, (housing_own < 
#>         0.5 | is.na(housing_own)) & age >= 28.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00249492703, housing_own >= 
#>         0.5 & age >= 28.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00978558417, (duration < 9.5 | is.na(duration)) & 
#>         creditAmount >= 678 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (duration < 17 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00846246537, duration >= 40.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 17 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000890082913, (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         duration >= 17 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00313459616, purpose_furniture.equipment >= 
#>         0.5 & propertyMagnitude_life.insurance >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 17 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00473170122, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         duration >= 9.5 & creditAmount >= 678 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (duration < 17 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00343032531, installmentCommitment >= 
#>         3.5 & duration >= 9.5 & creditAmount >= 678 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (duration < 17 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00368929026, (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (duration < 40.5 | is.na(duration)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & duration >= 
#>         17 & savingsStatus_X.100 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0106607899, purpose_radio.tv >= 
#>         0.5 & (duration < 40.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 17 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00146125117) + case_when(purpose_education >= 0.5 ~ 
#>     0.00732468907, (duration < 7.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ -0.00720475102, job_unskilled.resident >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ 0.00319853146, (age < 23.5 | 
#>     is.na(age)) & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_no.checking >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ 0.00110718189, savingsStatus_no.known.savings >= 
#>     0.5 & creditAmount >= 1371.5 & duration >= 7.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ -0.00762384105, (creditAmount < 
#>     4252.5 | is.na(creditAmount)) & age >= 23.5 & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     -0.00972264167, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>     1371.5 | is.na(creditAmount)) & duration >= 7.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ 0.00300903246, personalStatus_female.div.dep.mar >= 
#>     0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (creditAmount < 1371.5 | is.na(creditAmount)) & duration >= 
#>     7.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) ~ 0.0110401381, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1371.5 | is.na(creditAmount)) & 
#>         duration >= 7.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00243941625, residenceSince >= 
#>         3.5 & propertyMagnitude_real.estate >= 0.5 & (creditAmount < 
#>         1371.5 | is.na(creditAmount)) & duration >= 7.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00550233666, creditHistory_no.credits.all.paid >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 1371.5 & duration >= 7.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00739134476, (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         4252.5 & age >= 23.5 & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.000783280702, savingsStatus_no.known.savings >= 0.5 & 
#>         creditAmount >= 4252.5 & age >= 23.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00254886178, creditHistory_all.paid >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         1371.5 & duration >= 7.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00701352861, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         1371.5 & duration >= 7.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00329940603, otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         creditAmount >= 1371.5 & duration >= 7.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00245379331) + case_when(personalStatus_female.div.dep.mar >= 
#>     0.5 & purpose_radio.tv >= 0.5 ~ -0.00865477044, employment_X4..X.7 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ -0.00899781752, 
#>     (age < 34.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00808188319, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_radio.tv >= 
#>         0.5 ~ -0.00428547058, existingCredits >= 1.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_radio.tv >= 
#>         0.5 ~ 0.00413040025, checkingStatus_X..200 >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00636754138, creditHistory_critical.other.existing.credit >= 
#>         0.5 & age >= 34.5 & checkingStatus_X.0 >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00435732119, duration >= 
#>         29 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         age >= 34.5 & checkingStatus_X.0 >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.0030310431, creditAmount >= 
#>         6637.5 & (age < 32.5 | is.na(age)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.0091694165, numDependents >= 
#>         1.5 & age >= 32.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00346640009, (creditAmount < 2112 | is.na(creditAmount)) & 
#>         (duration < 29 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         age >= 34.5 & checkingStatus_X.0 >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00592105091, creditAmount >= 
#>         2112 & (duration < 29 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         age >= 34.5 & checkingStatus_X.0 >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00211815326, purpose_new.car >= 
#>         0.5 & (creditAmount < 6637.5 | is.na(creditAmount)) & 
#>         (age < 32.5 | is.na(age)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00769206695, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & age >= 32.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00118975039, residenceSince >= 
#>         2.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         age >= 32.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00714117987, (creditAmount < 2268 | is.na(creditAmount)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         6637.5 | is.na(creditAmount)) & (age < 32.5 | is.na(age)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00384104205, creditAmount >= 2268 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditAmount < 6637.5 | 
#>         is.na(creditAmount)) & (age < 32.5 | is.na(age)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00373110175) + case_when(job_unskilled.resident >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00566455629, (age < 
#>     23.5 | is.na(age)) & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00382746872, propertyMagnitude_life.insurance >= 
#>     0.5 & purpose_new.car >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00875128154, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (duration < 20.5 | 
#>     is.na(duration)) & job_high.qualif.self.emp.mgmt >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00294804992, creditHistory_existing.paid >= 0.5 & (duration < 
#>     20.5 | is.na(duration)) & job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00685643172, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     duration >= 20.5 & job_high.qualif.self.emp.mgmt >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.000334933982, savingsStatus_X.100 >= 0.5 & duration >= 
#>     20.5 & job_high.qualif.self.emp.mgmt >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00642996049, creditHistory_critical.other.existing.credit >= 
#>     0.5 & age >= 23.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00149427215, residenceSince >= 
#>     2.5 & (numDependents < 1.5 | is.na(numDependents)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00925351493, (age < 
#>     36.5 | is.na(age)) & numDependents >= 1.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00101165357, age >= 
#>     36.5 & numDependents >= 1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0026476346, (duration < 16.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00470396644, duration >= 16.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00276551023, purpose_furniture.equipment >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 23.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.002166169, checkingStatus_no.checking >= 
#>     0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00635272171, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 23.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.00192171999, savingsStatus_X.100 >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 23.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.0091143772, (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00375758018, purpose_radio.tv >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00451368978) + case_when(purpose_used.car >= 0.5 & duration >= 
#>     14.5 ~ -0.0100485533, (purpose_furniture.equipment < 0.5 | 
#>     is.na(purpose_furniture.equipment)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (duration < 14.5 | 
#>     is.na(duration)) ~ -0.0101196906, purpose_furniture.equipment >= 
#>     0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 14.5 | is.na(duration)) ~ -0.00137512013, propertyMagnitude_real.estate >= 
#>     0.5 & installmentCommitment >= 3.5 & (duration < 14.5 | is.na(duration)) ~ 
#>     -0.00835683104, (age < 34.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & installmentCommitment >= 
#>     3.5 & (duration < 14.5 | is.na(duration)) ~ 0.00742616411, 
#>     age >= 34.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         installmentCommitment >= 3.5 & (duration < 14.5 | is.na(duration)) ~ 
#>         0.000233722021, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 14.5 ~ 0.00971695501, 
#>     age >= 45 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 14.5 ~ -0.00741445832, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & savingsStatus_X100..X.500 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 14.5 ~ -0.00139731704, employment_X1..X.4 >= 
#>         0.5 & savingsStatus_X100..X.500 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 14.5 ~ 0.0116108749, 
#>     (age < 26.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 14.5 ~ 0.00721577555, 
#>     (age < 30.5 | is.na(age)) & age >= 26.5 & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 14.5 ~ -0.00438251346, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 36.5 | is.na(age)) & (age < 45 | is.na(age)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 14.5 ~ -0.00784883182, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & age >= 36.5 & 
#>         (age < 45 | is.na(age)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 14.5 ~ 0.0103260195, 
#>     checkingStatus_X0..X.200 >= 0.5 & age >= 36.5 & (age < 45 | 
#>         is.na(age)) & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 14.5 ~ 0.000326458307, (age < 48.5 | is.na(age)) & 
#>         age >= 30.5 & age >= 26.5 & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 14.5 ~ 0.00715190452, 
#>     age >= 48.5 & age >= 30.5 & age >= 26.5 & otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 14.5 ~ 0.00042400448, 
#>     (creditAmount < 4454.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 36.5 | is.na(age)) & (age < 45 | is.na(age)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 14.5 ~ -0.00282669812, creditAmount >= 4454.5 & 
#>         savingsStatus_X.100 >= 0.5 & (age < 36.5 | is.na(age)) & 
#>         (age < 45 | is.na(age)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 14.5 ~ 0.00776987011) + 
#>     case_when(purpose_used.car >= 0.5 & (creditAmount < 3909.5 | 
#>         is.na(creditAmount)) ~ -0.0102960039, purpose_used.car >= 
#>         0.5 & creditAmount >= 3909.5 ~ -0.00292683649, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 3909.5 ~ -0.0019550866, installmentCommitment >= 
#>         2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 3909.5 ~ 0.0113994647, (age < 26.5 | 
#>         is.na(age)) & (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 3909.5 | 
#>         is.na(creditAmount)) ~ -0.00206238544, (age < 25.5 | 
#>         is.na(age)) & personalStatus_female.div.dep.mar >= 0.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 3909.5 | is.na(creditAmount)) ~ 0.00171366567, 
#>         age >= 25.5 & personalStatus_female.div.dep.mar >= 0.5 & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 3909.5 | is.na(creditAmount)) ~ -0.00293338322, 
#>         purpose_business >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ -0.00599503424, (age < 
#>             42.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ -0.00251413067, age >= 
#>             42.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ -0.0087793339, (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 3909.5 ~ 0.0067205457, ownTelephone_none >= 
#>             0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 3909.5 ~ -0.00611530012, (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & age >= 26.5 & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 3909.5 | is.na(creditAmount)) ~ -0.00978778303, 
#>         employment_X1..X.4 >= 0.5 & age >= 26.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 3909.5 | is.na(creditAmount)) ~ -0.00418921001, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ 0.00454119034, employment_X1..X.4 >= 
#>             0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ -0.0049458174, ownTelephone_yes >= 
#>             0.5 & job_skilled >= 0.5 & (purpose_business < 0.5 | 
#>             is.na(purpose_business)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ 0.00078911864, (creditAmount < 
#>             1199.5 | is.na(creditAmount)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & job_skilled >= 0.5 & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ 0.0088455053, creditAmount >= 
#>             1199.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             job_skilled >= 0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 3.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             3909.5 | is.na(creditAmount)) ~ 0.00465419656) + 
#>     case_when(creditHistory_all.paid >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00896473043, otherPaymentPlans_bank >= 0.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ 0.000652805087, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & numDependents >= 1.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.006386213, ownTelephone_none >= 0.5 & numDependents >= 
#>         1.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.00903121661, creditHistory_no.credits.all.paid >= 0.5 & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00945611764, propertyMagnitude_no.known.property >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00296427449, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & purpose_radio.tv >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ 0.000765349076, job_skilled >= 
#>         0.5 & purpose_radio.tv >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00423267158, propertyMagnitude_real.estate >= 
#>         0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00650142552, creditAmount >= 
#>         7973.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00875913817, (savingsStatus_X100..X.500 < 0.5 | 
#>         is.na(savingsStatus_X100..X.500)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.0112479245, savingsStatus_X100..X.500 >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ -0.00322644995, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00209843693, installmentCommitment >= 3.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.000528035453, (creditAmount < 
#>         1513 | is.na(creditAmount)) & employment_X.1 >= 0.5 & 
#>         (creditAmount < 7973.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00526595442, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (creditAmount < 1224 | 
#>         is.na(creditAmount)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditAmount < 7973.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00642594555, employment_X1..X.4 >= 
#>         0.5 & (creditAmount < 1224 | is.na(creditAmount)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 7973.5 | 
#>         is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00416001445, (creditAmount < 
#>         3504 | is.na(creditAmount)) & creditAmount >= 1224 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditAmount < 
#>         7973.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00546812406, creditAmount >= 
#>         3504 & creditAmount >= 1224 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditAmount < 7973.5 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.0103573184, (creditAmount < 2642.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1513 & employment_X.1 >= 0.5 & (creditAmount < 
#>         7973.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00912221428, creditAmount >= 
#>         2642.5 & creditAmount >= 1513 & employment_X.1 >= 0.5 & 
#>         (creditAmount < 7973.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00288080517) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00901091006, (creditAmount < 2793.5 | is.na(creditAmount)) & 
#>     personalStatus_male.div.sep >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00245126849, creditAmount >= 
#>     2793.5 & personalStatus_male.div.sep >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0123008937, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (age < 30.5 | is.na(age)) & 
#>     employment_X4..X.7 >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00607116986, installmentCommitment >= 
#>     3.5 & (age < 30.5 | is.na(age)) & employment_X4..X.7 >= 0.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00243036286, (creditAmount < 1953.5 | is.na(creditAmount)) & 
#>     age >= 30.5 & employment_X4..X.7 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0029676666, creditAmount >= 
#>     1953.5 & age >= 30.5 & employment_X4..X.7 >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00965553708, creditAmount >= 
#>     8618 & (housing_rent < 0.5 | is.na(housing_rent)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00413044356, (creditAmount < 
#>     1881.5 | is.na(creditAmount)) & housing_rent >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00342300115, employment_X1..X.4 >= 
#>     0.5 & creditAmount >= 1881.5 & housing_rent >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0098534869, (creditAmount < 
#>     3917 | is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & creditAmount >= 1881.5 & housing_rent >= 
#>     0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00215607975, creditAmount >= 3917 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & creditAmount >= 1881.5 & 
#>     housing_rent >= 0.5 & (personalStatus_male.div.sep < 0.5 | 
#>     is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00846975483, (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (creditAmount < 8618 | 
#>     is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00237750262, installmentCommitment >= 1.5 & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (creditAmount < 8618 | 
#>     is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00560551975, (creditAmount < 1307.5 | is.na(creditAmount)) & 
#>     ownTelephone_none >= 0.5 & (installmentCommitment < 3.5 | 
#>     is.na(installmentCommitment)) & (creditAmount < 8618 | is.na(creditAmount)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00215599476, creditAmount >= 
#>     1307.5 & ownTelephone_none >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (creditAmount < 8618 | 
#>     is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00913556945, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditAmount < 2318 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 & (creditAmount < 8618 | is.na(creditAmount)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00826732535, otherPaymentPlans_none >= 
#>     0.5 & (creditAmount < 2318 | is.na(creditAmount)) & installmentCommitment >= 
#>     3.5 & (creditAmount < 8618 | is.na(creditAmount)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00153200666, (creditAmount < 
#>     3780.5 | is.na(creditAmount)) & creditAmount >= 2318 & installmentCommitment >= 
#>     3.5 & (creditAmount < 8618 | is.na(creditAmount)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00874903426, creditAmount >= 
#>     3780.5 & creditAmount >= 2318 & installmentCommitment >= 
#>     3.5 & (creditAmount < 8618 | is.na(creditAmount)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.000339343911) + 
#>     case_when((residenceSince < 1.5 | is.na(residenceSince)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.000428705418, (age < 
#>         35.5 | is.na(age)) & (duration < 11.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00145695836, age >= 35.5 & (duration < 11.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00989881717, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (age < 29.5 | is.na(age)) & residenceSince >= 1.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00542164035, installmentCommitment >= 3.5 & 
#>         (age < 29.5 | is.na(age)) & residenceSince >= 1.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.0019514818, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         age >= 29.5 & residenceSince >= 1.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00963990483, propertyMagnitude_car >= 0.5 & 
#>         age >= 29.5 & residenceSince >= 1.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00463966001, (creditAmount < 2302 | is.na(creditAmount)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 11.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.000907518785, 
#>         creditAmount >= 2302 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & duration >= 11.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.01005043, (creditAmount < 2787 | is.na(creditAmount)) & 
#>             creditHistory_existing.paid >= 0.5 & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & duration >= 11.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0053895954, creditAmount >= 2787 & creditHistory_existing.paid >= 
#>             0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00143624074, 
#>         checkingStatus_X..200 >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00114320929, 
#>         creditAmount >= 3919 & personalStatus_female.div.dep.mar >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & duration >= 11.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00608365983, job_unskilled.resident >= 0.5 & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 6.51338542e-06, 
#>         age >= 28 & (creditAmount < 3919 | is.na(creditAmount)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00402600272, 
#>         numDependents >= 1.5 & (job_unskilled.resident < 0.5 | 
#>             is.na(job_unskilled.resident)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00239987811, 
#>         (creditAmount < 2003 | is.na(creditAmount)) & (age < 
#>             28 | is.na(age)) & (creditAmount < 3919 | is.na(creditAmount)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00967634656, 
#>         creditAmount >= 2003 & (age < 28 | is.na(age)) & (creditAmount < 
#>             3919 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & savingsStatus_X.100 >= 0.5 & duration >= 11.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00139683799, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.0111542176, 
#>         propertyMagnitude_car >= 0.5 & (numDependents < 1.5 | 
#>             is.na(numDependents)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             savingsStatus_X.100 >= 0.5 & duration >= 11.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00249117403) + 
#>     case_when(purpose_new.car >= 0.5 & employment_X4..X.7 >= 
#>         0.5 ~ 0.00249308068, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         purpose_used.car >= 0.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ -0.00790476706, housing_for.free >= 
#>         0.5 & purpose_used.car >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.00162727805, (age < 
#>         30.5 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         employment_X4..X.7 >= 0.5 ~ -0.00345997629, age >= 30.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & employment_X4..X.7 >= 
#>         0.5 ~ -0.0118175428, (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00996775087, housing_rent >= 0.5 & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00402401667, (creditAmount < 
#>         718 | is.na(creditAmount)) & otherParties_none >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00702817505, savingsStatus_X500..X.1000 >= 0.5 & creditAmount >= 
#>         718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.00717790937, (creditAmount < 
#>         1370 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & creditAmount >= 
#>         718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00943706557, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 
#>         1370 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         creditAmount >= 718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00483964151, propertyMagnitude_car >= 
#>         0.5 & creditAmount >= 1370 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & creditAmount >= 
#>         718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.00141547201, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (age < 33.5 | is.na(age)) & 
#>         checkingStatus_no.checking >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & creditAmount >= 
#>         718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00937998295, employment_X1..X.4 >= 
#>         0.5 & (age < 33.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         creditAmount >= 718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.000332872092, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & age >= 33.5 & checkingStatus_no.checking >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         creditAmount >= 718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.00810700003, propertyMagnitude_car >= 
#>         0.5 & age >= 33.5 & checkingStatus_no.checking >= 0.5 & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         creditAmount >= 718 & otherParties_none >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00224459847) + case_when((ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (residenceSince < 1.5 | 
#>     is.na(residenceSince)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00278944871, ownTelephone_none >= 0.5 & (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.0107102646, (duration < 11 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>     0.5 ~ -0.00736644724, (duration < 13 | is.na(duration)) & 
#>     propertyMagnitude_life.insurance >= 0.5 & purpose_new.car >= 
#>     0.5 ~ 0.00116176007, duration >= 13 & propertyMagnitude_life.insurance >= 
#>     0.5 & purpose_new.car >= 0.5 ~ 0.0135140223, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     propertyMagnitude_no.known.property >= 0.5 & residenceSince >= 
#>     1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.00838819519, creditHistory_critical.other.existing.credit >= 
#>     0.5 & propertyMagnitude_no.known.property >= 0.5 & residenceSince >= 
#>     1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00163243618, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     duration >= 11 & (propertyMagnitude_life.insurance < 0.5 | 
#>     is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>     0.5 ~ -0.00339072896, ownTelephone_none >= 0.5 & duration >= 
#>     11 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     purpose_new.car >= 0.5 ~ 0.00887107849, savingsStatus_X100..X.500 >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     residenceSince >= 1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00263166148, (creditAmount < 6527.5 | is.na(creditAmount)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     residenceSince >= 1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00995971914, creditAmount >= 6527.5 & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & residenceSince >= 
#>     1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00335218571, purpose_used.car >= 0.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 0.5 & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     residenceSince >= 1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.0069672619, (creditAmount < 874 | is.na(creditAmount)) & 
#>     purpose_radio.tv >= 0.5 & savingsStatus_X.100 >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & residenceSince >= 
#>     1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00283290981, creditAmount >= 874 & purpose_radio.tv >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & residenceSince >= 
#>     1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00900190789, checkingStatus_X0..X.200 >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 0.5 | 
#>     is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & residenceSince >= 
#>     1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.011887853, (creditAmount < 3586 | is.na(creditAmount)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 0.5 & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     residenceSince >= 1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.00386253209, creditAmount >= 3586 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (purpose_radio.tv < 0.5 | 
#>     is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & residenceSince >= 
#>     1.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00232539885) + case_when((otherPaymentPlans_none < 0.5 | 
#>     is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ 0.000829888275, otherParties_guarantor >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00662480714, (age < 37.5 | is.na(age)) & purpose_used.car >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00903339777, 
#>     age >= 37.5 & purpose_used.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00234121084, (age < 25.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00453382405, (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & age >= 25.5 & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0102794319, checkingStatus_X0..X.200 >= 0.5 & 
#>         age >= 25.5 & otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00332038966, (creditAmount < 5297.5 | is.na(creditAmount)) & 
#>         savingsStatus_no.known.savings >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000205102551, creditAmount >= 5297.5 & savingsStatus_no.known.savings >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0088714296, (age < 27 | is.na(age)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00375236152, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         installmentCommitment >= 3.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00470231427, personalStatus_male.single >= 0.5 & installmentCommitment >= 
#>         3.5 & (job_skilled < 0.5 | is.na(job_skilled)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0123404544, (age < 22.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & job_skilled >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00643444946, (age < 27.5 | is.na(age)) & checkingStatus_X.0 >= 
#>         0.5 & job_skilled >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000799868489, age >= 27.5 & checkingStatus_X.0 >= 0.5 & 
#>         job_skilled >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00797249004, (age < 34.5 | is.na(age)) & age >= 27 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00868770853, age >= 34.5 & age >= 27 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000149351254, (housing_own < 0.5 | is.na(housing_own)) & 
#>         age >= 22.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         job_skilled >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00127734721, housing_own >= 0.5 & age >= 22.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & job_skilled >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0064025633) + case_when(creditAmount >= 10848 ~ 0.00884631835, 
#>     purpose_new.car >= 0.5 & employment_X4..X.7 >= 0.5 & (creditAmount < 
#>         10848 | is.na(creditAmount)) ~ 0.00273542432, propertyMagnitude_no.known.property >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.00159707188, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & employment_X4..X.7 >= 
#>         0.5 & (creditAmount < 10848 | is.na(creditAmount)) ~ 
#>         -0.00554238586, creditHistory_existing.paid >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & employment_X4..X.7 >= 
#>         0.5 & (creditAmount < 10848 | is.na(creditAmount)) ~ 
#>         -0.0117919873, checkingStatus_X.0 >= 0.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.00924278051, 
#>     (age < 30.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00265355967, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.00675880164, 
#>     job_skilled >= 0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00325709954, 
#>     personalStatus_female.div.dep.mar >= 0.5 & purpose_radio.tv >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00904131774, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         age >= 30.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.0101291668, 
#>     propertyMagnitude_life.insurance >= 0.5 & age >= 30.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00417726394, 
#>     (creditAmount < 1274.5 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.00413751695, 
#>     (creditAmount < 2773 | is.na(creditAmount)) & propertyMagnitude_car >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.00950768217, 
#>     creditAmount >= 2773 & propertyMagnitude_car >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.000682506827, 
#>     (duration < 13.5 | is.na(duration)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_radio.tv >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00388527941, 
#>     duration >= 13.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & purpose_radio.tv >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.0023642499, 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & creditAmount >= 
#>         1274.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ -0.00427502999, 
#>     employment_X.1 >= 0.5 & creditAmount >= 1274.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 10848 | is.na(creditAmount)) ~ 0.00107410166) + 
#>     case_when(purpose_used.car >= 0.5 & (age < 34.5 | is.na(age)) ~ 
#>         -0.0078063882, otherPaymentPlans_stores >= 0.5 & age >= 
#>         34.5 ~ 0.00705636246, purpose_furniture.equipment >= 
#>         0.5 & personalStatus_male.single >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 34.5 | is.na(age)) ~ 
#>         -0.00608022558, purpose_education >= 0.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 34.5 ~ 
#>         0.00164141192, purpose_new.car >= 0.5 & propertyMagnitude_car >= 
#>         0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         age >= 34.5 ~ 0.00308453967, (duration < 13.5 | is.na(duration)) & 
#>         purpose_radio.tv >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 34.5 | is.na(age)) ~ 
#>         0.00111781561, duration >= 13.5 & purpose_radio.tv >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 34.5 | is.na(age)) ~ -0.00730765099, duration >= 
#>         37.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         personalStatus_male.single >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 34.5 | is.na(age)) ~ 
#>         0.0100117205, housing_rent >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 34.5 ~ 
#>         -0.00249447697, (creditAmount < 2759 | is.na(creditAmount)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & propertyMagnitude_car >= 
#>         0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         age >= 34.5 ~ -0.00541943498, creditAmount >= 2759 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & propertyMagnitude_car >= 
#>         0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         age >= 34.5 ~ 0.00160919153, creditAmount >= 1379.5 & 
#>         (creditAmount < 1905.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 34.5 | is.na(age)) ~ 
#>         -0.00867596455, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 1905.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 34.5 | is.na(age)) ~ 0.00457586488, installmentCommitment >= 
#>         2.5 & creditAmount >= 1905.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 34.5 | is.na(age)) ~ 
#>         0.0134056341, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 34.5 ~ 
#>         -0.0098647587, purpose_furniture.equipment >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & age >= 34.5 ~ 
#>         -0.00117002032, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditAmount < 1379.5 | is.na(creditAmount)) & (creditAmount < 
#>         1905.5 | is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 34.5 | is.na(age)) ~ 
#>         0.00755635789, savingsStatus_X.100 >= 0.5 & (creditAmount < 
#>         1379.5 | is.na(creditAmount)) & (creditAmount < 1905.5 | 
#>         is.na(creditAmount)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 34.5 | is.na(age)) ~ 0.001534765, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (duration < 
#>         37.5 | is.na(duration)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & personalStatus_male.single >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 34.5 | is.na(age)) ~ 0.00487938942, residenceSince >= 
#>         2.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (duration < 37.5 | is.na(duration)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & personalStatus_male.single >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 34.5 | is.na(age)) ~ -0.00202957517, (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & creditHistory_existing.paid >= 
#>         0.5 & (duration < 37.5 | is.na(duration)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & personalStatus_male.single >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 34.5 | is.na(age)) ~ -0.0098170666, purpose_new.car >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (duration < 
#>         37.5 | is.na(duration)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & personalStatus_male.single >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 34.5 | is.na(age)) ~ -0.000387072214) + case_when(purpose_radio.tv >= 
#>     0.5 & (creditAmount < 1986 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00534802768, employment_X.1 >= 
#>     0.5 & creditAmount >= 1986 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.000366964756, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (creditAmount < 1986 | is.na(creditAmount)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00719240354, (age < 25.5 | is.na(age)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & creditAmount >= 1986 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00228539063, (creditAmount < 
#>     1636 | is.na(creditAmount)) & ownTelephone_yes >= 0.5 & (creditAmount < 
#>     2713 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 ~ 
#>     -0.00890934654, creditAmount >= 1636 & ownTelephone_yes >= 
#>     0.5 & (creditAmount < 2713 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00337260705, installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 2713 & savingsStatus_X.100 >= 0.5 ~ 0.0084598437, 
#>     (age < 32 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 2713 & savingsStatus_X.100 >= 0.5 ~ 
#>         0.00475655496, age >= 32 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 2713 & savingsStatus_X.100 >= 0.5 ~ 
#>         -0.00749900797, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         installmentCommitment >= 3.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (creditAmount < 1986 | is.na(creditAmount)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         0.00261234585, employment_X1..X.4 >= 0.5 & installmentCommitment >= 
#>         3.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 1986 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) ~ 0.0114605045, (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & age >= 
#>         25.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         creditAmount >= 1986 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.0117479563, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         age >= 25.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         creditAmount >= 1986 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>         -0.00322918291, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 2713 | 
#>         is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 ~ 0.00228263414, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         purpose_new.car >= 0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 2713 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00194067671, creditHistory_existing.paid >= 0.5 & 
#>         purpose_new.car >= 0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 2713 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00539313024, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2713 & savingsStatus_X.100 >= 0.5 ~ 0.00488186488, 
#>     ownTelephone_none >= 0.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2713 & savingsStatus_X.100 >= 0.5 ~ -0.00472014816, 
#>     (creditAmount < 1006 | is.na(creditAmount)) & housing_own >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 2713 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00135694386, (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1006 & housing_own >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 2713 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 ~ -0.00969704147, purpose_furniture.equipment >= 
#>         0.5 & creditAmount >= 1006 & housing_own >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & (creditAmount < 2713 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 ~ -0.00219393661) + case_when((foreignWorker_yes < 
#>     0.5 | is.na(foreignWorker_yes)) ~ -0.0102429073, personalStatus_male.div.sep >= 
#>     0.5 & foreignWorker_yes >= 0.5 ~ 0.00795407593, purpose_education >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     foreignWorker_yes >= 0.5 ~ 0.00440714927, (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & purpose_new.car >= 
#>     0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     foreignWorker_yes >= 0.5 ~ -0.00644240621, propertyMagnitude_life.insurance >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     purpose_new.car >= 0.5 & (personalStatus_male.div.sep < 0.5 | 
#>     is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ 0.00551790744, (creditAmount < 1205 | is.na(creditAmount)) & 
#>     installmentCommitment >= 2.5 & purpose_new.car >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ 0.00157245598, creditHistory_delayed.previously >= 
#>     0.5 & (creditAmount < 3796.5 | is.na(creditAmount)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ 0.00071708567, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     creditAmount >= 1205 & installmentCommitment >= 2.5 & purpose_new.car >= 
#>     0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     foreignWorker_yes >= 0.5 ~ 0.011463223, job_skilled >= 0.5 & 
#>     creditAmount >= 1205 & installmentCommitment >= 2.5 & purpose_new.car >= 
#>     0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     foreignWorker_yes >= 0.5 ~ 0.00476940954, (age < 22.5 | is.na(age)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (creditAmount < 3796.5 | is.na(creditAmount)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ 0.00126784667, propertyMagnitude_car >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>     3796.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ -0.00159013562, (age < 31.5 | is.na(age)) & checkingStatus_no.checking >= 
#>     0.5 & creditAmount >= 3796.5 & (purpose_education < 0.5 | 
#>     is.na(purpose_education)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     foreignWorker_yes >= 0.5 ~ -0.00112668262, age >= 31.5 & 
#>     checkingStatus_no.checking >= 0.5 & creditAmount >= 3796.5 & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ -0.00831157528, (age < 56.5 | is.na(age)) & age >= 
#>     22.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (creditAmount < 3796.5 | is.na(creditAmount)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ -0.00804879796, age >= 56.5 & age >= 22.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     3796.5 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>     is.na(purpose_education)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     foreignWorker_yes >= 0.5 ~ -0.00109457236, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>     3796.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ 0.00597563805, creditHistory_existing.paid >= 0.5 & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     creditAmount >= 3796.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & foreignWorker_yes >= 
#>     0.5 ~ 0.000220271962) + case_when(purpose_used.car >= 0.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.00605437346, purpose_business >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 ~ -0.000132419853, otherParties_co.applicant >= 0.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.00640817638, 
#>     propertyMagnitude_car >= 0.5 & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0102951741, duration >= 21.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00901980698, (duration < 16.5 | is.na(duration)) & 
#>         (duration < 21.5 | is.na(duration)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0080707008, duration >= 16.5 & (duration < 21.5 | 
#>         is.na(duration)) & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00792157464, propertyMagnitude_life.insurance >= 
#>         0.5 & creditAmount >= 1373 & (duration < 20.5 | is.na(duration)) & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.000368560839, (age < 27 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & duration >= 20.5 & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00647452474, creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & duration >= 20.5 & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00085885264, (creditAmount < 979.5 | is.na(creditAmount)) & 
#>         (age < 27.5 | is.na(age)) & (creditAmount < 1373 | is.na(creditAmount)) & 
#>         (duration < 20.5 | is.na(duration)) & (otherParties_co.applicant < 
#>         0.5 | is.na(otherParties_co.applicant)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0037669593, 
#>     creditAmount >= 979.5 & (age < 27.5 | is.na(age)) & (creditAmount < 
#>         1373 | is.na(creditAmount)) & (duration < 20.5 | is.na(duration)) & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00692189299, (creditAmount < 788 | is.na(creditAmount)) & 
#>         age >= 27.5 & (creditAmount < 1373 | is.na(creditAmount)) & 
#>         (duration < 20.5 | is.na(duration)) & (otherParties_co.applicant < 
#>         0.5 | is.na(otherParties_co.applicant)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000465441641, 
#>     creditAmount >= 788 & age >= 27.5 & (creditAmount < 1373 | 
#>         is.na(creditAmount)) & (duration < 20.5 | is.na(duration)) & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00970586389, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditAmount >= 1373 & (duration < 20.5 | is.na(duration)) & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000803047617, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         age >= 27 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         duration >= 20.5 & (otherParties_co.applicant < 0.5 | 
#>         is.na(otherParties_co.applicant)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0076604723, 
#>     residenceSince >= 3.5 & age >= 27 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & duration >= 20.5 & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0032575978, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & duration >= 20.5 & (otherParties_co.applicant < 
#>         0.5 | is.na(otherParties_co.applicant)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00356309768, 
#>     ownTelephone_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & duration >= 20.5 & (otherParties_co.applicant < 
#>         0.5 | is.na(otherParties_co.applicant)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00917751063, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & residenceSince >= 
#>         1.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditAmount >= 1373 & (duration < 20.5 | is.na(duration)) & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0105136726, existingCredits >= 1.5 & residenceSince >= 
#>         1.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditAmount >= 1373 & (duration < 20.5 | is.na(duration)) & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00209655869) + case_when(otherPaymentPlans_bank >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     0.00360587239, employment_X.1 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.0049727303, otherParties_guarantor >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00677427091, 
#>     checkingStatus_X0..X.200 >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00472574355, age >= 46 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0054029962, creditAmount >= 5821.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.000523726514, checkingStatus_X.0 >= 0.5 & (age < 
#>         46 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00015155501, residenceSince >= 3.5 & (creditAmount < 
#>         1923.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00166511117, purpose_radio.tv >= 0.5 & creditAmount >= 
#>         1923.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00452517392, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 5821.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0100994017, (age < 25.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (age < 46 | is.na(age)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00341567281, age >= 25.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (age < 46 | is.na(age)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00849306211, checkingStatus_no.checking >= 0.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (creditAmount < 1923.5 | 
#>         is.na(creditAmount)) & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000110668632, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 5821.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00840774272, propertyMagnitude_real.estate >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 5821.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 4.67415557e-05, (creditAmount < 953 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>         1923.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00521711912, creditAmount >= 953 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (creditAmount < 1923.5 | 
#>         is.na(creditAmount)) & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0130041623, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 1923.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00306699146, residenceSince >= 3.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditAmount >= 1923.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0108511345, (creditAmount < 3861 | is.na(creditAmount)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditHistory_existing.paid >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditAmount >= 1923.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000201006987, creditAmount >= 3861 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & creditHistory_existing.paid >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 1923.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00630883453, (creditAmount < 3034 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & creditHistory_existing.paid >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 1923.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00316552445, creditAmount >= 3034 & installmentCommitment >= 
#>         2.5 & creditHistory_existing.paid >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & creditAmount >= 1923.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00732825743) + case_when((otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & employment_X1..X.4 >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.00282237935, age >= 30.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00560939545, 
#>     (age < 39 | is.na(age)) & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0103731006, 
#>     age >= 39 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00179451972, (age < 34.5 | is.na(age)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00431141257, age >= 34.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00382629037, (age < 42.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00952560548, age >= 
#>         42.5 & otherPaymentPlans_none >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00109116302, (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (age < 30.5 | is.na(age)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 2.49915411e-06, installmentCommitment >= 3.5 & 
#>         (age < 30.5 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00305368495, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (age < 
#>         25.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00783841126, (creditAmount < 3576 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         otherPaymentPlans_none >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0114637036, (creditAmount < 1414 | is.na(creditAmount)) & 
#>         propertyMagnitude_real.estate >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00240213214, 
#>     creditAmount >= 1414 & propertyMagnitude_real.estate >= 0.5 & 
#>         otherPaymentPlans_none >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00491292309, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         ownTelephone_none >= 0.5 & (age < 25.5 | is.na(age)) & 
#>         otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000957536104, 
#>     purpose_furniture.equipment >= 0.5 & ownTelephone_none >= 
#>         0.5 & (age < 25.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00657378789, propertyMagnitude_no.known.property >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         age >= 25.5 & otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00218584249, 
#>     purpose_new.car >= 0.5 & creditHistory_existing.paid >= 0.5 & 
#>         age >= 25.5 & otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00138603838, 
#>     (creditAmount < 6023.5 | is.na(creditAmount)) & creditAmount >= 
#>         3576 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         otherPaymentPlans_none >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000196570545, creditAmount >= 6023.5 & creditAmount >= 
#>         3576 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         otherPaymentPlans_none >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00330720982, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         age >= 25.5 & otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00131475402, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & age >= 25.5 & 
#>         otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00621178653, 
#>     age >= 36.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditHistory_existing.paid >= 0.5 & age >= 25.5 & otherPaymentPlans_none >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0124701429, (age < 31.5 | is.na(age)) & (age < 36.5 | 
#>         is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         creditHistory_existing.paid >= 0.5 & age >= 25.5 & otherPaymentPlans_none >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00699911173, age >= 31.5 & (age < 36.5 | is.na(age)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & creditHistory_existing.paid >= 
#>         0.5 & age >= 25.5 & otherPaymentPlans_none >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000307988521) + 
#>     case_when(checkingStatus_X.0 >= 0.5 & savingsStatus_no.known.savings >= 
#>         0.5 ~ 0.000784851378, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         savingsStatus_no.known.savings >= 0.5 ~ -0.010238138, 
#>         existingCredits >= 1.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & savingsStatus_no.known.savings >= 
#>             0.5 ~ -0.00223992439, (age < 29.5 | is.na(age)) & 
#>             duration >= 25.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             0.00974158384, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (duration < 16.5 | is.na(duration)) & employment_X.1 >= 
#>             0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             0.00296446099, residenceSince >= 2.5 & (duration < 
#>             16.5 | is.na(duration)) & employment_X.1 >= 0.5 & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             -0.00137647614, (age < 28.5 | is.na(age)) & duration >= 
#>             16.5 & employment_X.1 >= 0.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.0110515226, 
#>         age >= 28.5 & duration >= 16.5 & employment_X.1 >= 0.5 & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             0.00277217105, creditAmount >= 2845.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (duration < 
#>             25.5 | is.na(duration)) & (employment_X.1 < 0.5 | 
#>             is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00520339934, 
#>         creditAmount >= 4015 & otherPaymentPlans_none >= 0.5 & 
#>             (duration < 25.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00675707823, 
#>         (age < 35 | is.na(age)) & age >= 29.5 & duration >= 25.5 & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             -0.00518429046, (creditAmount < 1809 | is.na(creditAmount)) & 
#>             (creditAmount < 2845.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (duration < 
#>             25.5 | is.na(duration)) & (employment_X.1 < 0.5 | 
#>             is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00338534964, 
#>         creditAmount >= 1809 & (creditAmount < 2845.5 | is.na(creditAmount)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (duration < 25.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.0123227471, 
#>         checkingStatus_X0..X.200 >= 0.5 & age >= 35 & age >= 
#>             29.5 & duration >= 25.5 & (employment_X.1 < 0.5 | 
#>             is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00882476568, 
#>         (age < 25 | is.na(age)) & (creditAmount < 1221 | is.na(creditAmount)) & 
#>             (creditAmount < 4015 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00510881236, 
#>         age >= 54.5 & creditAmount >= 1221 & (creditAmount < 
#>             4015 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.000251995225, 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             age >= 35 & age >= 29.5 & duration >= 25.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00384072866, 
#>         installmentCommitment >= 2.5 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & age >= 35 & 
#>             age >= 29.5 & duration >= 25.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00170652266, 
#>         (age < 36 | is.na(age)) & age >= 25 & (creditAmount < 
#>             1221 | is.na(creditAmount)) & (creditAmount < 4015 | 
#>             is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00765422545, 
#>         age >= 36 & age >= 25 & (creditAmount < 1221 | is.na(creditAmount)) & 
#>             (creditAmount < 4015 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00329226302, 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (age < 54.5 | is.na(age)) & creditAmount >= 1221 & 
#>             (creditAmount < 4015 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & (duration < 25.5 | is.na(duration)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00970137399, 
#>         propertyMagnitude_car >= 0.5 & (age < 54.5 | is.na(age)) & 
#>             creditAmount >= 1221 & (creditAmount < 4015 | is.na(creditAmount)) & 
#>             otherPaymentPlans_none >= 0.5 & (duration < 25.5 | 
#>             is.na(duration)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>             -0.00488203159) + case_when(age >= 50.5 & duration >= 
#>     16.5 ~ 0.00862879585, (duration < 11.5 | is.na(duration)) & 
#>     age >= 34.5 & (duration < 16.5 | is.na(duration)) ~ -0.00936591905, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 1344.5 | is.na(creditAmount)) & (age < 
#>         34.5 | is.na(age)) & (duration < 16.5 | is.na(duration)) ~ 
#>         -0.00364188477, installmentCommitment >= 3.5 & (creditAmount < 
#>         1344.5 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) & 
#>         (duration < 16.5 | is.na(duration)) ~ 0.00827620458, 
#>     (creditAmount < 2145.5 | is.na(creditAmount)) & creditAmount >= 
#>         1344.5 & (age < 34.5 | is.na(age)) & (duration < 16.5 | 
#>         is.na(duration)) ~ -0.00880819932, creditAmount >= 2145.5 & 
#>         creditAmount >= 1344.5 & (age < 34.5 | is.na(age)) & 
#>         (duration < 16.5 | is.na(duration)) ~ 0.000544593669, 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 11.5 & age >= 34.5 & (duration < 16.5 | is.na(duration)) ~ 
#>         -0.0053164321, employment_X1..X.4 >= 0.5 & duration >= 
#>         11.5 & age >= 34.5 & (duration < 16.5 | is.na(duration)) ~ 
#>         0.00344884326, employment_X.1 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 50.5 | is.na(age)) & 
#>         duration >= 16.5 ~ 0.00712616229, creditAmount >= 6806.5 & 
#>         savingsStatus_X.100 >= 0.5 & (age < 50.5 | is.na(age)) & 
#>         duration >= 16.5 ~ 0.00903993007, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 50.5 | is.na(age)) & 
#>         duration >= 16.5 ~ -0.00363623304, otherPaymentPlans_none >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 50.5 | is.na(age)) & 
#>         duration >= 16.5 ~ -0.0100508686, (creditAmount < 3409.5 | 
#>         is.na(creditAmount)) & employment_X1..X.4 >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 50.5 | is.na(age)) & 
#>         duration >= 16.5 ~ -0.00222546444, creditAmount >= 3409.5 & 
#>         employment_X1..X.4 >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 50.5 | is.na(age)) & duration >= 16.5 ~ -0.000273955608, 
#>     purpose_used.car >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditAmount < 6806.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 50.5 | is.na(age)) & duration >= 16.5 ~ 
#>         -0.00867317338, (creditAmount < 2445.5 | is.na(creditAmount)) & 
#>         purpose_new.car >= 0.5 & (creditAmount < 6806.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 50.5 | is.na(age)) & 
#>         duration >= 16.5 ~ 0.00357490848, creditAmount >= 2445.5 & 
#>         purpose_new.car >= 0.5 & (creditAmount < 6806.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 50.5 | is.na(age)) & 
#>         duration >= 16.5 ~ 0.0116154654, (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & (age < 29.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         6806.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 50.5 | is.na(age)) & duration >= 16.5 ~ 
#>         -0.00383432116, existingCredits >= 1.5 & (age < 29.5 | 
#>         is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         6806.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 50.5 | is.na(age)) & duration >= 16.5 ~ 
#>         0.00111441093, (creditAmount < 2956.5 | is.na(creditAmount)) & 
#>         age >= 29.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         6806.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 50.5 | is.na(age)) & duration >= 16.5 ~ 
#>         0.00662767934, creditAmount >= 2956.5 & age >= 29.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (creditAmount < 
#>         6806.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 50.5 | is.na(age)) & duration >= 16.5 ~ 
#>         0.00156274438) + case_when((creditAmount < 4077.5 | is.na(creditAmount)) & 
#>     purpose_used.car >= 0.5 ~ -0.0100529995, creditAmount >= 
#>     4077.5 & purpose_used.car >= 0.5 ~ -0.00235060416, numDependents >= 
#>     1.5 & checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ 0.00238382956, (duration < 
#>     11.5 | is.na(duration)) & purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00129674771, creditAmount >= 
#>     6934.5 & (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_no.checking >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00890368596, savingsStatus_no.known.savings >= 0.5 & duration >= 
#>     25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00487212278, 
#>     (age < 26 | is.na(age)) & duration >= 11.5 & purpose_new.car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00273712212, (age < 25.5 | is.na(age)) & (creditAmount < 
#>         6934.5 | is.na(creditAmount)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & checkingStatus_no.checking >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000172290122, age >= 25.5 & (creditAmount < 6934.5 | 
#>         is.na(creditAmount)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00735434145, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & employment_X1..X.4 >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00568547333, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & age >= 26 & duration >= 11.5 & 
#>         purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00478784414, job_skilled >= 
#>         0.5 & age >= 26 & duration >= 11.5 & purpose_new.car >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0121893808, (duration < 21 | is.na(duration)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (duration < 25.5 | 
#>         is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00648702309, duration >= 21 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (duration < 25.5 | 
#>         is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00253415317, (age < 28 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (duration < 25.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00990955066, age >= 
#>         28 & personalStatus_female.div.dep.mar >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (duration < 25.5 | 
#>         is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00295233936, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditHistory_existing.paid >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00414125016, purpose_radio.tv >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00296087982, (duration < 
#>         41 | is.na(duration)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0105239889, duration >= 41 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>         25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00239825249, (age < 27.5 | is.na(age)) & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00275733671, age >= 27.5 & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         duration >= 25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00135235442) + case_when(employment_X.1 >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 ~ 0.00423312467, (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) & checkingStatus_no.checking >= 0.5 ~ 
#>     -0.010618424, propertyMagnitude_real.estate >= 0.5 & (creditAmount < 
#>     1297 | is.na(creditAmount)) & (duration < 15.5 | is.na(duration)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.00365086435, ownTelephone_none >= 0.5 & creditAmount >= 
#>     1297 & (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.0110298106, 
#>     propertyMagnitude_real.estate >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0076197926, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00131575542, 
#>     otherPaymentPlans_bank >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.0017584177, (age < 
#>         28.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1297 | is.na(creditAmount)) & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00134570978, age >= 28.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1297 | is.na(creditAmount)) & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00728100399, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1297 & (duration < 15.5 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00482712593, job_skilled >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & creditAmount >= 1297 & 
#>         (duration < 15.5 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000885317393, 
#>     employment_X1..X.4 >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00413496094, purpose_used.car >= 0.5 & installmentCommitment >= 
#>         1.5 & checkingStatus_X.0 >= 0.5 & duration >= 15.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00155032007, (age < 36.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & personalStatus_male.single >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00941249169, age >= 
#>         36.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         personalStatus_male.single >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00278024608, (creditAmount < 2300.5 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.00210577436, creditAmount >= 
#>         2615.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         installmentCommitment >= 1.5 & checkingStatus_X.0 >= 
#>         0.5 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0111675784, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & creditAmount >= 
#>         2300.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 15.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.000202073934, 
#>     job_skilled >= 0.5 & creditAmount >= 2300.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 15.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0097486414, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditAmount < 2615.5 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & installmentCommitment >= 
#>         1.5 & checkingStatus_X.0 >= 0.5 & duration >= 15.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0065548555, personalStatus_male.single >= 0.5 & (creditAmount < 
#>         2615.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & installmentCommitment >= 1.5 & 
#>         checkingStatus_X.0 >= 0.5 & duration >= 15.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00149735773) + 
#>     case_when((residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>         0.000898146711, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         residenceSince >= 1.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) ~ 0.000941196049, checkingStatus_X0..X.200 >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & installmentCommitment >= 
#>         2.5 ~ 0.00180638663, creditAmount >= 7369.5 & otherPaymentPlans_none >= 
#>         0.5 & residenceSince >= 1.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) ~ 0.000608716393, 
#>         employment_unemployed >= 0.5 & (employment_X..7 < 0.5 | 
#>             is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ 0.0103983842, (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & employment_X..7 >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & installmentCommitment >= 
#>             2.5 ~ 0.000730435539, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & installmentCommitment >= 
#>             2.5 ~ 0.000524701434, (creditAmount < 1269.5 | is.na(creditAmount)) & 
#>             (creditAmount < 7369.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & residenceSince >= 1.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) ~ -0.00332863675, 
#>         creditAmount >= 1269.5 & (creditAmount < 7369.5 | is.na(creditAmount)) & 
#>             otherPaymentPlans_none >= 0.5 & residenceSince >= 
#>             1.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>             -0.00913242344, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             otherPaymentPlans_none >= 0.5 & employment_X..7 >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) & installmentCommitment >= 
#>             2.5 ~ -0.002087801, purpose_radio.tv >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & employment_X..7 >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ -0.00959767122, (creditAmount < 
#>             3649.5 | is.na(creditAmount)) & residenceSince >= 
#>             3.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & installmentCommitment >= 
#>             2.5 ~ 0.00248589437, creditAmount >= 3649.5 & residenceSince >= 
#>             3.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             propertyMagnitude_no.known.property >= 0.5 & installmentCommitment >= 
#>             2.5 ~ 0.00944073312, (savingsStatus_X.100 < 0.5 | 
#>             is.na(savingsStatus_X.100)) & creditAmount >= 3685 & 
#>             (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ 0.000192549633, savingsStatus_X.100 >= 
#>             0.5 & creditAmount >= 3685 & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ 0.00768881291, (creditAmount < 
#>             994.5 | is.na(creditAmount)) & job_unskilled.resident >= 
#>             0.5 & (creditAmount < 3685 | is.na(creditAmount)) & 
#>             (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ -0.00279832259, creditAmount >= 
#>             994.5 & job_unskilled.resident >= 0.5 & (creditAmount < 
#>             3685 | is.na(creditAmount)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ 0.00560740242, (age < 
#>             24.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (creditAmount < 3685 | is.na(creditAmount)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ 0.000334394048, age >= 
#>             24.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (creditAmount < 3685 | is.na(creditAmount)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ -0.00691295741, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             employment_X.1 >= 0.5 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (creditAmount < 
#>             3685 | is.na(creditAmount)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ 0.00352460844, propertyMagnitude_life.insurance >= 
#>             0.5 & employment_X.1 >= 0.5 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (creditAmount < 
#>             3685 | is.na(creditAmount)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             installmentCommitment >= 2.5 ~ -0.00470956974) + 
#>     case_when(purpose_business >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00524800876, (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000545968534, 
#>         otherParties_guarantor >= 0.5 & (otherParties_none < 
#>             0.5 | is.na(otherParties_none)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00857592653, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (creditAmount < 1199 | is.na(creditAmount)) & otherParties_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0025951534, personalStatus_male.mar.wid >= 0.5 & 
#>             creditAmount >= 1199 & otherParties_none >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0108244186, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (creditAmount < 4307 | is.na(creditAmount)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00867289212, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             creditAmount >= 4307 & (purpose_business < 0.5 | 
#>             is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ 0.00556850899, residenceSince >= 2.5 & creditAmount >= 
#>             4307 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.00265936577, 
#>         (age < 27.5 | is.na(age)) & installmentCommitment >= 
#>             3.5 & (creditAmount < 1199 | is.na(creditAmount)) & 
#>             otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.000372741022, 
#>         age >= 27.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>             1199 | is.na(creditAmount)) & otherParties_none >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.0109830424, (age < 30.5 | is.na(age)) & installmentCommitment >= 
#>             3.5 & (creditAmount < 4307 | is.na(creditAmount)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ 0.00190913794, 
#>         age >= 30.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>             4307 | is.na(creditAmount)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00765124103, (age < 27.5 | is.na(age)) & 
#>             (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 1199 & otherParties_none >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00272594346, age >= 27.5 & (residenceSince < 1.5 | 
#>             is.na(residenceSince)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             1199 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.00938519835, 
#>         checkingStatus_X..200 >= 0.5 & residenceSince >= 1.5 & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 1199 & otherParties_none >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00866073184, purpose_used.car >= 0.5 & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & residenceSince >= 
#>             1.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 1199 & otherParties_none >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00277142529, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             residenceSince >= 1.5 & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             1199 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.000237733926, 
#>         savingsStatus_X.100 >= 0.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & residenceSince >= 
#>             1.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 1199 & otherParties_none >= 0.5 & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00918359868) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00836296752, creditAmount >= 10918 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00666386774, (age < 
#>     26.5 | is.na(age)) & (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000978103955, age >= 26.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00962753315, (creditAmount < 2174.5 | is.na(creditAmount)) & 
#>     housing_rent >= 0.5 & installmentCommitment >= 2.5 & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00117521721, creditAmount >= 
#>     2174.5 & housing_rent >= 0.5 & installmentCommitment >= 2.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00967412628, (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (ownTelephone_none < 0.5 | 
#>     is.na(ownTelephone_none)) & creditHistory_existing.paid >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00822034664, residenceSince >= 
#>     3.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     creditHistory_existing.paid >= 0.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00242584897, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     ownTelephone_none >= 0.5 & creditHistory_existing.paid >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00355900498, employment_X1..X.4 >= 
#>     0.5 & ownTelephone_none >= 0.5 & creditHistory_existing.paid >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00567246554, numDependents >= 
#>     1.5 & (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     2318 | is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     installmentCommitment >= 2.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00756635005, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     residenceSince >= 3.5 & (creditAmount < 2318 | is.na(creditAmount)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>     2.5 & (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00277348491, creditHistory_critical.other.existing.credit >= 
#>     0.5 & residenceSince >= 3.5 & (creditAmount < 2318 | is.na(creditAmount)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>     2.5 & (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00635262299, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (duration < 33 | 
#>     is.na(duration)) & creditAmount >= 2318 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & installmentCommitment >= 2.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00345655554, personalStatus_male.single >= 
#>     0.5 & (duration < 33 | is.na(duration)) & creditAmount >= 
#>     2318 & (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>     2.5 & (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00889447425, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & duration >= 33 & creditAmount >= 
#>     2318 & (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>     2.5 & (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00287098903, ownTelephone_none >= 
#>     0.5 & duration >= 33 & creditAmount >= 2318 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & installmentCommitment >= 2.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00139355508, (age < 
#>     27.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     2318 | is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     installmentCommitment >= 2.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0038380581, age >= 27.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     2318 | is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     installmentCommitment >= 2.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00302697648) + case_when((age < 27.5 | is.na(age)) & (duration < 
#>     11.5 | is.na(duration)) ~ -0.00195870106, age >= 27.5 & (duration < 
#>     11.5 | is.na(duration)) ~ -0.00962199643, otherParties_guarantor >= 
#>     0.5 & duration >= 11.5 ~ -0.00685162749, creditHistory_delayed.previously >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & duration >= 11.5 ~ 
#>     -0.00539648719, creditAmount >= 4092.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & duration >= 11.5 ~ 
#>     0.00726560829, numDependents >= 1.5 & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     duration >= 11.5 ~ 0.00434627384, (age < 30.5 | is.na(age)) & 
#>     (creditAmount < 4092.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & duration >= 11.5 ~ 
#>     -0.00595746608, age >= 30.5 & (creditAmount < 4092.5 | is.na(creditAmount)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     duration >= 11.5 ~ 0.00234513055, (age < 27.5 | is.na(age)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & duration >= 11.5 ~ 
#>     0.00329774735, age >= 27.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     duration >= 11.5 ~ -0.00347416592, (residenceSince < 1.5 | 
#>     is.na(residenceSince)) & savingsStatus_X.100 >= 0.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     duration >= 11.5 ~ 0.000990571571, residenceSince >= 1.5 & 
#>     savingsStatus_X.100 >= 0.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     duration >= 11.5 ~ 0.00931793544, (duration < 13 | is.na(duration)) & 
#>     (age < 34.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & duration >= 11.5 ~ 
#>     0.00344931544, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     age >= 34.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & duration >= 11.5 ~ 
#>     -0.0100881672, checkingStatus_X.0 >= 0.5 & age >= 34.5 & 
#>     (numDependents < 1.5 | is.na(numDependents)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     duration >= 11.5 ~ -0.00363095594, (duration < 34.5 | is.na(duration)) & 
#>     duration >= 13 & (age < 34.5 | is.na(age)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & otherPaymentPlans_none >= 0.5 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     duration >= 11.5 ~ -0.00568598416, duration >= 34.5 & duration >= 
#>     13 & (age < 34.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & duration >= 11.5 ~ 
#>     0.00364014297) + case_when(creditAmount >= 3009.5 & (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) ~ -0.00132639718, 
#>     (duration < 16.5 | is.na(duration)) & (creditAmount < 1479 | 
#>         is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>         0.5 ~ -0.0100232624, duration >= 16.5 & (creditAmount < 
#>         1479 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>         0.5 ~ -0.000906807138, creditAmount >= 3536 & creditAmount >= 
#>         1479 & propertyMagnitude_real.estate >= 0.5 ~ -0.0044557075, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (creditAmount < 3009.5 | is.na(creditAmount)) & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ -0.00167683105, 
#>     propertyMagnitude_car >= 0.5 & (creditAmount < 3009.5 | is.na(creditAmount)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ -0.0105633866, 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>         1373 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) ~ 
#>         0.0104562016, ownTelephone_yes >= 0.5 & (creditAmount < 
#>         1373 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) ~ 
#>         -0.00105691457, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditAmount < 3536 | is.na(creditAmount)) & creditAmount >= 
#>         1479 & propertyMagnitude_real.estate >= 0.5 ~ 5.38059357e-05, 
#>     savingsStatus_X.100 >= 0.5 & (creditAmount < 3536 | is.na(creditAmount)) & 
#>         creditAmount >= 1479 & propertyMagnitude_real.estate >= 
#>         0.5 ~ 0.0105138849, (duration < 16.5 | is.na(duration)) & 
#>         creditAmount >= 3743.5 & creditAmount >= 1373 & residenceSince >= 
#>         1.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) ~ 
#>         0.0100013493, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (creditAmount < 
#>         3743.5 | is.na(creditAmount)) & creditAmount >= 1373 & 
#>         residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ -0.0086800037, 
#>     employment_X1..X.4 >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (creditAmount < 3743.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1373 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ -0.00218820781, 
#>     employment_X1..X.4 >= 0.5 & duration >= 16.5 & creditAmount >= 
#>         3743.5 & creditAmount >= 1373 & residenceSince >= 1.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) ~ 
#>         -0.00317023648, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (creditAmount < 3743.5 | is.na(creditAmount)) & creditAmount >= 
#>         1373 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ -0.00831231009, 
#>     existingCredits >= 1.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (creditAmount < 3743.5 | is.na(creditAmount)) & creditAmount >= 
#>         1373 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ 0.00289364485, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         checkingStatus_X.0 >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (creditAmount < 
#>         3743.5 | is.na(creditAmount)) & creditAmount >= 1373 & 
#>         residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ 0.000782665447, 
#>     creditHistory_existing.paid >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (creditAmount < 3743.5 | is.na(creditAmount)) & creditAmount >= 
#>         1373 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ 0.00729928724, 
#>     (creditAmount < 4952.5 | is.na(creditAmount)) & (age < 28.5 | 
#>         is.na(age)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 16.5 & creditAmount >= 3743.5 & creditAmount >= 
#>         1373 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ 0.00225766865, 
#>     creditAmount >= 4952.5 & (age < 28.5 | is.na(age)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 16.5 & 
#>         creditAmount >= 3743.5 & creditAmount >= 1373 & residenceSince >= 
#>         1.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) ~ 
#>         0.00962467212, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         age >= 28.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         duration >= 16.5 & creditAmount >= 3743.5 & creditAmount >= 
#>         1373 & residenceSince >= 1.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) ~ -0.00165770738, 
#>     creditHistory_existing.paid >= 0.5 & age >= 28.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 16.5 & 
#>         creditAmount >= 3743.5 & creditAmount >= 1373 & residenceSince >= 
#>         1.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) ~ 
#>         0.00328270462) + case_when(installmentCommitment >= 2.5 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     checkingStatus_no.checking >= 0.5 ~ -0.00847907271, (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & savingsStatus_X.100 >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00408648094, 
#>     savingsStatus_X100..X.500 >= 0.5 & (duration < 31.5 | is.na(duration)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00512529816, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 31.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00106008898, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (age < 26.5 | is.na(age)) & housing_rent >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00356011325, 
#>     propertyMagnitude_car >= 0.5 & (age < 26.5 | is.na(age)) & 
#>         housing_rent >= 0.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ 0.000227325072, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         age >= 26.5 & housing_rent >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000162780707, 
#>     savingsStatus_X.100 >= 0.5 & age >= 26.5 & housing_rent >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0124407662, (duration < 16.5 | is.na(duration)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00799400359, duration >= 16.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00288250344, (duration < 22.5 | is.na(duration)) & 
#>         otherPaymentPlans_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ -0.00750379963, 
#>     duration >= 22.5 & otherPaymentPlans_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00051190838, 
#>     otherParties_guarantor >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         31.5 | is.na(duration)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00965480506, (creditAmount < 4464 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 31.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00979033485, 
#>     creditAmount >= 4464 & savingsStatus_X.100 >= 0.5 & duration >= 
#>         31.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00158479135, 
#>     (duration < 8.5 | is.na(duration)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         31.5 | is.na(duration)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00756294513, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & duration >= 
#>         8.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 31.5 | is.na(duration)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00119685347, 
#>     residenceSince >= 2.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         duration >= 8.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (duration < 31.5 | is.na(duration)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00673632231, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         residenceSince >= 3.5 & duration >= 8.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         31.5 | is.na(duration)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00704915822, personalStatus_male.single >= 0.5 & residenceSince >= 
#>         3.5 & duration >= 8.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (duration < 
#>         31.5 | is.na(duration)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0015248534) + case_when(creditHistory_delayed.previously >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.00612295605, creditHistory_delayed.previously >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 ~ 0.0027346327, creditAmount >= 
#>     8732.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.0102258343, creditAmount >= 4827.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>     0.5 ~ 0.000634538301, (duration < 8.5 | is.na(duration)) & 
#>     (creditAmount < 8732.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ -0.0077808029, 
#>     (creditAmount < 2288 | is.na(creditAmount)) & (creditAmount < 
#>         4827.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00960457139, creditAmount >= 2288 & (creditAmount < 
#>         4827.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00447310926, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         housing_rent >= 0.5 & duration >= 8.5 & (creditAmount < 
#>         8732.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00122226635, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         purpose_new.car >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 & (creditAmount < 8732.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0063590589, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         job_skilled >= 0.5 & housing_rent >= 0.5 & duration >= 
#>         8.5 & (creditAmount < 8732.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00269992789, installmentCommitment >= 2.5 & job_skilled >= 
#>         0.5 & housing_rent >= 0.5 & duration >= 8.5 & (creditAmount < 
#>         8732.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00929334201, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & duration >= 8.5 & (creditAmount < 
#>         8732.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000476270827, 
#>     purpose_radio.tv >= 0.5 & (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 & (creditAmount < 8732.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0063098711, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & installmentCommitment >= 
#>         3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 & (creditAmount < 8732.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0060211001, propertyMagnitude_no.known.property >= 
#>         0.5 & installmentCommitment >= 3.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & duration >= 8.5 & (creditAmount < 
#>         8732.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00421727123, 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & purpose_new.car >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 & (creditAmount < 8732.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00760907587, creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & purpose_new.car >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 & (creditAmount < 8732.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00306515349) + case_when(propertyMagnitude_real.estate >= 
#>     0.5 & age >= 31.5 & (age < 36.5 | is.na(age)) ~ -0.00218175119, 
#>     propertyMagnitude_no.known.property >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & age >= 36.5 ~ -0.00161185919, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (duration < 
#>         16.5 | is.na(duration)) & (age < 31.5 | is.na(age)) & 
#>         (age < 36.5 | is.na(age)) ~ 0.00173197908, propertyMagnitude_life.insurance >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         age >= 31.5 & (age < 36.5 | is.na(age)) ~ 0.0110922428, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         age >= 36.5 ~ -0.0106277745, checkingStatus_X.0 >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         age >= 36.5 ~ -0.000878526596, (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & (duration < 16.5 | is.na(duration)) & 
#>         ownTelephone_none >= 0.5 & age >= 36.5 ~ -0.00896213483, 
#>     employment_X..7 >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>         ownTelephone_none >= 0.5 & age >= 36.5 ~ 0.00218867604, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         duration >= 16.5 & ownTelephone_none >= 0.5 & age >= 
#>         36.5 ~ 0.000100321748, installmentCommitment >= 3.5 & 
#>         duration >= 16.5 & ownTelephone_none >= 0.5 & age >= 
#>         36.5 ~ 0.00860609766, (age < 23.5 | is.na(age)) & ownTelephone_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & (age < 31.5 | 
#>         is.na(age)) & (age < 36.5 | is.na(age)) ~ -0.00953221694, 
#>     employment_X.1 >= 0.5 & (age < 25.5 | is.na(age)) & duration >= 
#>         16.5 & (age < 31.5 | is.na(age)) & (age < 36.5 | is.na(age)) ~ 
#>         0.000196358655, purpose_furniture.equipment >= 0.5 & 
#>         age >= 25.5 & duration >= 16.5 & (age < 31.5 | is.na(age)) & 
#>         (age < 36.5 | is.na(age)) ~ -0.00596519746, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & age >= 
#>         31.5 & (age < 36.5 | is.na(age)) ~ -0.00057073863, installmentCommitment >= 
#>         3.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         age >= 31.5 & (age < 36.5 | is.na(age)) ~ 0.00365637592, 
#>     (age < 25.5 | is.na(age)) & age >= 23.5 & ownTelephone_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & (age < 31.5 | 
#>         is.na(age)) & (age < 36.5 | is.na(age)) ~ -0.000187113154, 
#>     age >= 25.5 & age >= 23.5 & ownTelephone_none >= 0.5 & (duration < 
#>         16.5 | is.na(duration)) & (age < 31.5 | is.na(age)) & 
#>         (age < 36.5 | is.na(age)) ~ -0.00719075045, (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (age < 25.5 | is.na(age)) & 
#>         duration >= 16.5 & (age < 31.5 | is.na(age)) & (age < 
#>         36.5 | is.na(age)) ~ 0.00968581252, purpose_radio.tv >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (age < 25.5 | is.na(age)) & duration >= 16.5 & (age < 
#>         31.5 | is.na(age)) & (age < 36.5 | is.na(age)) ~ -0.00103095861, 
#>     checkingStatus_X0..X.200 >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 25.5 & 
#>         duration >= 16.5 & (age < 31.5 | is.na(age)) & (age < 
#>         36.5 | is.na(age)) ~ -0.00373360096, (duration < 22.5 | 
#>         is.na(duration)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 25.5 & 
#>         duration >= 16.5 & (age < 31.5 | is.na(age)) & (age < 
#>         36.5 | is.na(age)) ~ 0.00696527306, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & duration >= 
#>         22.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         age >= 25.5 & duration >= 16.5 & (age < 31.5 | is.na(age)) & 
#>         (age < 36.5 | is.na(age)) ~ 0.00365668233, checkingStatus_no.checking >= 
#>         0.5 & duration >= 22.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 25.5 & 
#>         duration >= 16.5 & (age < 31.5 | is.na(age)) & (age < 
#>         36.5 | is.na(age)) ~ -0.00639056647) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00724640395, (duration < 8.5 | is.na(duration)) & 
#>     (creditAmount < 3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0107169924, purpose_used.car >= 
#>     0.5 & creditAmount >= 3913.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00572117371, housing_for.free >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     creditAmount >= 3913.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ -0.00280294823, (age < 27.5 | 
#>     is.na(age)) & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     duration >= 8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00847470947, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     age >= 27.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     duration >= 8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0048949779, savingsStatus_X.100 >= 0.5 & age >= 27.5 & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     duration >= 8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00363210402, (duration < 16.5 | is.na(duration)) & (age < 
#>     26.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & duration >= 
#>     8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0111902822, (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>     29.5 | is.na(age)) & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>     3913.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0101412637, personalStatus_female.div.dep.mar >= 0.5 & 
#>     (age < 29.5 | is.na(age)) & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>     3913.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00313206692, (duration < 33 | is.na(duration)) & age >= 
#>     29.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>     3913.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00421773735, duration >= 33 & age >= 29.5 & (housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & creditAmount >= 3913.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0025248169, (creditAmount < 
#>     1804 | is.na(creditAmount)) & duration >= 16.5 & (age < 26.5 | 
#>     is.na(age)) & otherPaymentPlans_none >= 0.5 & duration >= 
#>     8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00615252415, (creditAmount < 
#>     1435.5 | is.na(creditAmount)) & (age < 39.5 | is.na(age)) & 
#>     age >= 26.5 & otherPaymentPlans_none >= 0.5 & duration >= 
#>     8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0113044996, (creditAmount < 
#>     1224 | is.na(creditAmount)) & age >= 39.5 & age >= 26.5 & 
#>     otherPaymentPlans_none >= 0.5 & duration >= 8.5 & (creditAmount < 
#>     3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00099789747, (creditAmount < 
#>     3163 | is.na(creditAmount)) & creditAmount >= 1804 & duration >= 
#>     16.5 & (age < 26.5 | is.na(age)) & otherPaymentPlans_none >= 
#>     0.5 & duration >= 8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00494153984, creditAmount >= 3163 & creditAmount >= 1804 & 
#>     duration >= 16.5 & (age < 26.5 | is.na(age)) & otherPaymentPlans_none >= 
#>     0.5 & duration >= 8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00534251332, (creditAmount < 3044.5 | is.na(creditAmount)) & 
#>     creditAmount >= 1435.5 & (age < 39.5 | is.na(age)) & age >= 
#>     26.5 & otherPaymentPlans_none >= 0.5 & duration >= 8.5 & 
#>     (creditAmount < 3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00549976155, creditAmount >= 
#>     3044.5 & creditAmount >= 1435.5 & (age < 39.5 | is.na(age)) & 
#>     age >= 26.5 & otherPaymentPlans_none >= 0.5 & duration >= 
#>     8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00311739859, (age < 
#>     43.5 | is.na(age)) & creditAmount >= 1224 & age >= 39.5 & 
#>     age >= 26.5 & otherPaymentPlans_none >= 0.5 & duration >= 
#>     8.5 & (creditAmount < 3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00246574893, age >= 
#>     43.5 & creditAmount >= 1224 & age >= 39.5 & age >= 26.5 & 
#>     otherPaymentPlans_none >= 0.5 & duration >= 8.5 & (creditAmount < 
#>     3913.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00981506705) + 
#>     case_when(creditHistory_no.credits.all.paid >= 0.5 ~ 0.00853804313, 
#>         personalStatus_male.mar.wid >= 0.5 & purpose_radio.tv >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ 0.00107676559, 
#>         purpose_business >= 0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00333153177, (duration < 34.5 | is.na(duration)) & 
#>             existingCredits >= 1.5 & ownTelephone_yes >= 0.5 & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00994668063, duration >= 34.5 & existingCredits >= 
#>             1.5 & ownTelephone_yes >= 0.5 & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.000678294862, (creditAmount < 1254.5 | is.na(creditAmount)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             purpose_radio.tv >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.000571002136, creditAmount >= 1254.5 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & purpose_radio.tv >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.0102341268, 
#>         (duration < 13.5 | is.na(duration)) & employment_X1..X.4 >= 
#>             0.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             purpose_radio.tv >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00532873906, duration >= 13.5 & employment_X1..X.4 >= 
#>             0.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             purpose_radio.tv >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00170163834, creditHistory_critical.other.existing.credit >= 
#>             0.5 & (duration < 16.5 | is.na(duration)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00708128512, job_unskilled.resident >= 0.5 & duration >= 
#>             16.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.0110893827, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (creditAmount < 3099 | is.na(creditAmount)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & ownTelephone_yes >= 
#>             0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.000225201482, job_skilled >= 0.5 & (creditAmount < 
#>             3099 | is.na(creditAmount)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & ownTelephone_yes >= 
#>             0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00812585186, propertyMagnitude_no.known.property >= 
#>             0.5 & creditAmount >= 3099 & (existingCredits < 1.5 | 
#>             is.na(existingCredits)) & ownTelephone_yes >= 0.5 & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00308548659, creditAmount >= 1587.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 16.5 | is.na(duration)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00462710019, creditAmount >= 3592 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & duration >= 
#>             16.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00124650565, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             creditAmount >= 3099 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             ownTelephone_yes >= 0.5 & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00943622645, residenceSince >= 3.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             creditAmount >= 3099 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             ownTelephone_yes >= 0.5 & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.0013489367, (creditAmount < 888 | is.na(creditAmount)) & 
#>             (creditAmount < 1587.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 16.5 | is.na(duration)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00211724523, creditAmount >= 888 & (creditAmount < 
#>             1587.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (duration < 16.5 | is.na(duration)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00814531371, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & (creditAmount < 
#>             3592 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & duration >= 
#>             16.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.0120876776, personalStatus_male.single >= 0.5 & 
#>             (creditAmount < 3592 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & duration >= 
#>             16.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00342177087) + case_when(creditAmount >= 10924.5 ~ 
#>     0.00972450618, purpose_education >= 0.5 & (creditAmount < 
#>     10924.5 | is.na(creditAmount)) ~ 0.00927703083, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (duration < 15.5 | is.na(duration)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (creditAmount < 10924.5 | 
#>     is.na(creditAmount)) ~ -0.00769511098, purpose_used.car >= 
#>     0.5 & duration >= 15.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (creditAmount < 
#>     10924.5 | is.na(creditAmount)) ~ -0.00530400733, savingsStatus_X100..X.500 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     housing_own >= 0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (creditAmount < 10924.5 | is.na(creditAmount)) ~ -0.0100924093, 
#>     numDependents >= 1.5 & checkingStatus_X.0 >= 0.5 & housing_own >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ -0.00707022287, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         job_skilled >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 10924.5 | 
#>         is.na(creditAmount)) ~ 0.0040592174, installmentCommitment >= 
#>         3.5 & job_skilled >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 10924.5 | 
#>         is.na(creditAmount)) ~ -0.00462044217, (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 15.5 & (housing_own < 
#>         0.5 | is.na(housing_own)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (creditAmount < 10924.5 | 
#>         is.na(creditAmount)) ~ 0.00914222375, employment_X..7 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ -0.000879524916, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         purpose_furniture.equipment >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & housing_own >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ -0.00150751567, 
#>     creditHistory_existing.paid >= 0.5 & purpose_furniture.equipment >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         housing_own >= 0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ 0.00385927479, 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (age < 30.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         checkingStatus_X.0 >= 0.5 & housing_own >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 10924.5 | 
#>         is.na(creditAmount)) ~ -0.0040705679, propertyMagnitude_real.estate >= 
#>         0.5 & (age < 30.5 | is.na(age)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & checkingStatus_X.0 >= 0.5 & housing_own >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ 0.00237926422, 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & age >= 
#>         30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         checkingStatus_X.0 >= 0.5 & housing_own >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 10924.5 | 
#>         is.na(creditAmount)) ~ 0.00878563058, employment_X..7 >= 
#>         0.5 & age >= 30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         checkingStatus_X.0 >= 0.5 & housing_own >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 10924.5 | 
#>         is.na(creditAmount)) ~ -0.000242382172, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & housing_own >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ -0.00995191932, 
#>     personalStatus_male.single >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & housing_own >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ 0.00647890056, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         otherPaymentPlans_none >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & housing_own >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ -0.00860123988, 
#>     propertyMagnitude_car >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         housing_own >= 0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 10924.5 | is.na(creditAmount)) ~ -0.00325136981) + 
#>     case_when(purpose_education >= 0.5 ~ 0.00520742033, employment_X4..X.7 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00999004953, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.0024921135, creditHistory_existing.paid >= 0.5 & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00925282761, savingsStatus_X100..X.500 >= 0.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.000111266272, (age < 
#>         32.5 | is.na(age)) & residenceSince >= 3.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00750792352, age >= 
#>         32.5 & residenceSince >= 3.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00628854195, (age < 
#>         29 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00122148742, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00944414269, propertyMagnitude_real.estate >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.0038156521, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00233612536, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         checkingStatus_no.checking >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00072575896, residenceSince >= 2.5 & checkingStatus_no.checking >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00948369969, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         age >= 29 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00312707154, personalStatus_male.single >= 0.5 & age >= 
#>         29 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00780475885, housing_rent >= 0.5 & residenceSince >= 
#>         1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.000941772072, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00505777448, personalStatus_female.div.dep.mar >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & residenceSince >= 
#>         1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.0107755456) + case_when((creditAmount < 683 | is.na(creditAmount)) ~ 
#>     -0.0093004629, checkingStatus_X0..X.200 >= 0.5 & savingsStatus_no.known.savings >= 
#>     0.5 & creditAmount >= 683 ~ -0.00937871356, purpose_furniture.equipment >= 
#>     0.5 & housing_rent >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>     683 ~ 0.000804720155, age >= 40.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & savingsStatus_no.known.savings >= 
#>     0.5 & creditAmount >= 683 ~ -0.00716340402, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (otherParties_none < 0.5 | 
#>     is.na(otherParties_none)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ -0.0114971036, existingCredits >= 1.5 & 
#>     (otherParties_none < 0.5 | is.na(otherParties_none)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>     683 ~ -0.00185204216, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     housing_rent >= 0.5 & (savingsStatus_no.known.savings < 0.5 | 
#>     is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>     683 ~ 0.00280595594, ownTelephone_none >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & housing_rent >= 
#>     0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ 0.00872195419, (age < 30.5 | is.na(age)) & 
#>     (age < 40.5 | is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & savingsStatus_no.known.savings >= 
#>     0.5 & creditAmount >= 683 ~ -0.00624270085, age >= 30.5 & 
#>     (age < 40.5 | is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & savingsStatus_no.known.savings >= 
#>     0.5 & creditAmount >= 683 ~ 0.00372358668, (creditAmount < 
#>     1345.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & otherParties_none >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>     683 ~ 0.0123557346, creditAmount >= 4092.5 & creditAmount >= 
#>     1345.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ 0.0072032623, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & employment_X.1 >= 0.5 & 
#>     otherPaymentPlans_none >= 0.5 & otherParties_none >= 0.5 & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>     683 ~ -0.00115101715, checkingStatus_X.0 >= 0.5 & employment_X.1 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & otherParties_none >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>     683 ~ 0.00878708437, (duration < 22.5 | is.na(duration)) & 
#>     (creditAmount < 4092.5 | is.na(creditAmount)) & creditAmount >= 
#>     1345.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ -0.00696134195, duration >= 22.5 & 
#>     (creditAmount < 4092.5 | is.na(creditAmount)) & creditAmount >= 
#>     1345.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ -0.00192863389, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>     0.5 & otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ 0.00201599486, existingCredits >= 1.5 & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>     0.5 & otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ -0.00585340429, (housing_own < 0.5 | 
#>     is.na(housing_own)) & residenceSince >= 3.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & otherPaymentPlans_none >= 
#>     0.5 & otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     creditAmount >= 683 ~ 0.00141824456, housing_own >= 0.5 & 
#>     residenceSince >= 3.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     otherPaymentPlans_none >= 0.5 & otherParties_none >= 0.5 & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>     683 ~ -0.00840989314) + case_when(savingsStatus_X500..X.1000 >= 
#>     0.5 ~ -0.00650129374, creditHistory_all.paid >= 0.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>     0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00683358824, 
#>     duration >= 21 & housing_rent >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00734351017, 
#>     otherParties_guarantor >= 0.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.0087993145, 
#>     checkingStatus_no.checking >= 0.5 & (duration < 21 | is.na(duration)) & 
#>         housing_rent >= 0.5 & (savingsStatus_X500..X.1000 < 0.5 | 
#>         is.na(savingsStatus_X500..X.1000)) ~ -0.00537409168, 
#>     (age < 23.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (duration < 
#>         21 | is.na(duration)) & housing_rent >= 0.5 & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00111610629, 
#>     age >= 23.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (duration < 21 | is.na(duration)) & housing_rent >= 0.5 & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) ~ 
#>         0.00480322074, age >= 43.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.000214094893, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00118738005, 
#>     personalStatus_male.single >= 0.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00377594214, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & installmentCommitment >= 2.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00468474813, 
#>     (purpose_business < 0.5 | is.na(purpose_business)) & (age < 
#>         43.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00858026836, 
#>     purpose_business >= 0.5 & (age < 43.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00049204228, 
#>     (creditAmount < 1423 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>         2.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00736908661, 
#>     creditAmount >= 1423 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>         2.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00104106707, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & installmentCommitment >= 
#>         2.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00699487748, 
#>     savingsStatus_X.100 >= 0.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         installmentCommitment >= 2.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ 0.00249891728, 
#>     (age < 28.5 | is.na(age)) & job_skilled >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & installmentCommitment >= 2.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00352072204, 
#>     age >= 28.5 & job_skilled >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & installmentCommitment >= 2.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) ~ -0.00839304272) + 
#>     case_when(age >= 36 & creditAmount >= 6686 ~ 0.00926122256, 
#>         creditAmount >= 3344 & (creditAmount < 3558.5 | is.na(creditAmount)) & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ 0.00874292199, 
#>         numDependents >= 1.5 & creditAmount >= 3558.5 & (creditAmount < 
#>             6686 | is.na(creditAmount)) ~ 0.00158342044, (existingCredits < 
#>             1.5 | is.na(existingCredits)) & (age < 36 | is.na(age)) & 
#>             creditAmount >= 6686 ~ 0.0044869408, existingCredits >= 
#>             1.5 & (age < 36 | is.na(age)) & creditAmount >= 6686 ~ 
#>             -0.00327477744, purpose_education >= 0.5 & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             0.00911247451, employment_X1..X.4 >= 0.5 & (numDependents < 
#>             1.5 | is.na(numDependents)) & creditAmount >= 3558.5 & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -0.00166712992, 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & creditAmount >= 3558.5 & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -0.0114758499, 
#>         employment_X..7 >= 0.5 & (employment_X1..X.4 < 0.5 | 
#>             is.na(employment_X1..X.4)) & (numDependents < 1.5 | 
#>             is.na(numDependents)) & creditAmount >= 3558.5 & 
#>             (creditAmount < 6686 | is.na(creditAmount)) ~ -0.0036237149, 
#>         (creditAmount < 683.5 | is.na(creditAmount)) & (creditAmount < 
#>             959.5 | is.na(creditAmount)) & (duration < 15.5 | 
#>             is.na(duration)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3344 | is.na(creditAmount)) & (creditAmount < 
#>             3558.5 | is.na(creditAmount)) & (creditAmount < 6686 | 
#>             is.na(creditAmount)) ~ -0.0074720108, (existingCredits < 
#>             1.5 | is.na(existingCredits)) & creditAmount >= 959.5 & 
#>             (duration < 15.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.00901027396, ownTelephone_yes >= 0.5 & (age < 
#>             31.5 | is.na(age)) & duration >= 15.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.00650847517, creditAmount >= 2410.5 & age >= 31.5 & 
#>             duration >= 15.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3344 | is.na(creditAmount)) & (creditAmount < 
#>             3558.5 | is.na(creditAmount)) & (creditAmount < 6686 | 
#>             is.na(creditAmount)) ~ -0.00170723675, (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>             683.5 & (creditAmount < 959.5 | is.na(creditAmount)) & 
#>             (duration < 15.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             7.03844416e-05, checkingStatus_X0..X.200 >= 0.5 & 
#>             creditAmount >= 683.5 & (creditAmount < 959.5 | is.na(creditAmount)) & 
#>             (duration < 15.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             0.00806658994, (propertyMagnitude_real.estate < 0.5 | 
#>             is.na(propertyMagnitude_real.estate)) & existingCredits >= 
#>             1.5 & creditAmount >= 959.5 & (duration < 15.5 | 
#>             is.na(duration)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3344 | is.na(creditAmount)) & (creditAmount < 
#>             3558.5 | is.na(creditAmount)) & (creditAmount < 6686 | 
#>             is.na(creditAmount)) ~ 0.00137394166, propertyMagnitude_real.estate >= 
#>             0.5 & existingCredits >= 1.5 & creditAmount >= 959.5 & 
#>             (duration < 15.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.00576612446, (creditAmount < 2462 | is.na(creditAmount)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (age < 31.5 | is.na(age)) & duration >= 15.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             -0.00345748058, creditAmount >= 2462 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (age < 31.5 | is.na(age)) & 
#>             duration >= 15.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3344 | is.na(creditAmount)) & (creditAmount < 
#>             3558.5 | is.na(creditAmount)) & (creditAmount < 6686 | 
#>             is.na(creditAmount)) ~ 0.00391919911, (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 
#>             2410.5 | is.na(creditAmount)) & age >= 31.5 & duration >= 
#>             15.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3344 | is.na(creditAmount)) & (creditAmount < 
#>             3558.5 | is.na(creditAmount)) & (creditAmount < 6686 | 
#>             is.na(creditAmount)) ~ 0.0100273294, otherPaymentPlans_none >= 
#>             0.5 & (creditAmount < 2410.5 | is.na(creditAmount)) & 
#>             age >= 31.5 & duration >= 15.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3344 | is.na(creditAmount)) & (creditAmount < 3558.5 | 
#>             is.na(creditAmount)) & (creditAmount < 6686 | is.na(creditAmount)) ~ 
#>             0.00379086332) + case_when(age >= 44.5 & otherPaymentPlans_bank >= 
#>     0.5 ~ -0.00365150138, creditAmount >= 9886.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00968411937, (creditAmount < 
#>     1114 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.0033004391, creditAmount >= 4176.5 & (age < 44.5 | is.na(age)) & 
#>     otherPaymentPlans_bank >= 0.5 ~ 0.00135720836, (age < 29.5 | 
#>     is.na(age)) & creditAmount >= 1114 & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00889591221, (age < 30.5 | is.na(age)) & (creditAmount < 
#>     4176.5 | is.na(creditAmount)) & (age < 44.5 | is.na(age)) & 
#>     otherPaymentPlans_bank >= 0.5 ~ 0.00374323083, age >= 30.5 & 
#>     (creditAmount < 4176.5 | is.na(creditAmount)) & (age < 44.5 | 
#>     is.na(age)) & otherPaymentPlans_bank >= 0.5 ~ 0.0115564251, 
#>     propertyMagnitude_real.estate >= 0.5 & (creditAmount < 1373 | 
#>         is.na(creditAmount)) & (creditAmount < 9886.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>         -0.00351095828, purpose_used.car >= 0.5 & creditAmount >= 
#>         1373 & (creditAmount < 9886.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>         -0.00549248699, employment_X..7 >= 0.5 & age >= 29.5 & 
#>         creditAmount >= 1114 & checkingStatus_X0..X.200 >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>         0.00502564944, (creditAmount < 952.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (creditAmount < 
#>         9886.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00158778555, 
#>     creditAmount >= 952.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1373 | is.na(creditAmount)) & (creditAmount < 9886.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00827934407, 
#>     (creditAmount < 1787 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 1373 & 
#>         (creditAmount < 9886.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00691235159, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & age >= 
#>         29.5 & creditAmount >= 1114 & checkingStatus_X0..X.200 >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>         -0.00754132867, savingsStatus_X.100 >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 29.5 & creditAmount >= 
#>         1114 & checkingStatus_X0..X.200 >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.000776453002, 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 1787 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1373 & (creditAmount < 9886.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>         0.00291740778, checkingStatus_X..200 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 1787 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1373 & (creditAmount < 9886.5 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>         -0.00447785063, (duration < 21 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 1787 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 1373 & (creditAmount < 
#>         9886.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ 0.000612926437, 
#>     duration >= 21 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 1787 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 1373 & (creditAmount < 
#>         9886.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00866225548) + 
#>     case_when((personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         purpose_used.car >= 0.5 ~ -0.0110717453, personalStatus_female.div.dep.mar >= 
#>         0.5 & purpose_used.car >= 0.5 ~ -0.000430033397, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & duration >= 37.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00797608402, ownTelephone_none >= 0.5 & duration >= 
#>         37.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000619953382, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & propertyMagnitude_real.estate >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0100107705, (age < 23.5 | is.na(age)) & housing_rent >= 
#>         0.5 & propertyMagnitude_real.estate >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00278105168, age >= 
#>         23.5 & housing_rent >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000341083622, age >= 49.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0107695945, employment_X..7 >= 
#>         0.5 & personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>         37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00774700008, age >= 
#>         36.5 & installmentCommitment >= 3.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & propertyMagnitude_real.estate >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000432471366, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (age < 36.5 | is.na(age)) & 
#>         installmentCommitment >= 3.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & propertyMagnitude_real.estate >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000629565679, creditHistory_existing.paid >= 0.5 & 
#>         (age < 36.5 | is.na(age)) & installmentCommitment >= 
#>         3.5 & (housing_rent < 0.5 | is.na(housing_rent)) & propertyMagnitude_real.estate >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.007890434, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 49.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00775209535, purpose_furniture.equipment >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (age < 49.5 | is.na(age)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (duration < 37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00238862704, (duration < 
#>         22.5 | is.na(duration)) & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00669229124, duration >= 
#>         22.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00306672323, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & employment_X1..X.4 >= 
#>         0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>         37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00909558777, savingsStatus_X.100 >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.000603972469, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 49.5 | is.na(age)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (duration < 37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00770863378, checkingStatus_X0..X.200 >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 49.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00192940747, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 49.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0106158322, checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 49.5 | is.na(age)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (duration < 37.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.000160373602) + case_when((ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & creditHistory_all.paid >= 
#>     0.5 ~ 0.00275236694, ownTelephone_yes >= 0.5 & creditHistory_all.paid >= 
#>     0.5 ~ 0.00805297308, (creditAmount < 1624.5 | is.na(creditAmount)) & 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00337805878, creditAmount >= 
#>     1624.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0101840766, propertyMagnitude_real.estate >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (duration < 17 | 
#>     is.na(duration)) & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0104037998, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & purpose_furniture.equipment >= 
#>     0.5 & (duration < 17 | is.na(duration)) & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00402001617, personalStatus_male.single >= 0.5 & purpose_furniture.equipment >= 
#>     0.5 & (duration < 17 | is.na(duration)) & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00196133158, (housing_own < 0.5 | is.na(housing_own)) & 
#>     employment_X..7 >= 0.5 & duration >= 17 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00306440983, (age < 25.5 | is.na(age)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (employment_X..7 < 0.5 | 
#>     is.na(employment_X..7)) & duration >= 17 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00345559209, (age < 34.5 | is.na(age)) & housing_own >= 
#>     0.5 & employment_X..7 >= 0.5 & duration >= 17 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00965079665, (creditAmount < 1370 | is.na(creditAmount)) & 
#>     (age < 34.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (duration < 17 | 
#>     is.na(duration)) & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00580707099, creditAmount >= 
#>     1370 & (age < 34.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (duration < 17 | 
#>     is.na(duration)) & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00398644339, (duration < 
#>     11.5 | is.na(duration)) & age >= 34.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (duration < 17 | 
#>     is.na(duration)) & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00907674991, duration >= 
#>     11.5 & age >= 34.5 & (propertyMagnitude_real.estate < 0.5 | 
#>     is.na(propertyMagnitude_real.estate)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (duration < 17 | 
#>     is.na(duration)) & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0033476057, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & age >= 25.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (employment_X..7 < 0.5 | 
#>     is.na(employment_X..7)) & duration >= 17 & residenceSince >= 
#>     1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00775336893, ownTelephone_none >= 0.5 & age >= 25.5 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & duration >= 
#>     17 & residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.0012253368, (creditAmount < 
#>     4092.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     duration >= 17 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00521452352, creditAmount >= 
#>     4092.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     savingsStatus_X.100 >= 0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     duration >= 17 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00771764806, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & installmentCommitment >= 2.5 & 
#>     savingsStatus_X.100 >= 0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     duration >= 17 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00141010806, job_skilled >= 
#>     0.5 & installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     duration >= 17 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0102929696, (age < 
#>     42.5 | is.na(age)) & age >= 34.5 & housing_own >= 0.5 & employment_X..7 >= 
#>     0.5 & duration >= 17 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.000149761385, age >= 
#>     42.5 & age >= 34.5 & housing_own >= 0.5 & employment_X..7 >= 
#>     0.5 & duration >= 17 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0061818934) + case_when((creditAmount < 
#>     4962.5 | is.na(creditAmount)) & purpose_used.car >= 0.5 ~ 
#>     -0.0100412155, creditAmount >= 4962.5 & purpose_used.car >= 
#>     0.5 ~ -0.00237858878, job_unskilled.resident >= 0.5 & (creditAmount < 
#>     1196 | is.na(creditAmount)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00018054893, 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & purpose_radio.tv >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00917902775, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         existingCredits >= 1.5 & purpose_radio.tv >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00666942121, residenceSince >= 
#>         2.5 & existingCredits >= 1.5 & purpose_radio.tv >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00262427237, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 1196 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00996833295, purpose_new.car >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 1196 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00387689588, (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (creditAmount < 1787 | 
#>         is.na(creditAmount)) & creditAmount >= 1196 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.0109015573, purpose_new.car >= 
#>         0.5 & (creditAmount < 1787 | is.na(creditAmount)) & creditAmount >= 
#>         1196 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0019372215, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         creditAmount >= 1787 & creditAmount >= 1196 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00404808903, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & employment_X1..X.4 >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         purpose_radio.tv >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00390012283, installmentCommitment >= 3.5 & employment_X1..X.4 >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         purpose_radio.tv >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00100604107, (duration < 22.5 | is.na(duration)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         otherParties_none >= 0.5 & creditAmount >= 1787 & creditAmount >= 
#>         1196 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00574928429, (creditAmount < 4090.5 | is.na(creditAmount)) & 
#>         duration >= 22.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         otherParties_none >= 0.5 & creditAmount >= 1787 & creditAmount >= 
#>         1196 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00131975673, creditAmount >= 4090.5 & duration >= 22.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         otherParties_none >= 0.5 & creditAmount >= 1787 & creditAmount >= 
#>         1196 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00853823218, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 22.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & otherParties_none >= 0.5 & creditAmount >= 1787 & 
#>         creditAmount >= 1196 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00341730611, installmentCommitment >= 3.5 & (duration < 
#>         22.5 | is.na(duration)) & savingsStatus_X.100 >= 0.5 & 
#>         otherParties_none >= 0.5 & creditAmount >= 1787 & creditAmount >= 
#>         1196 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00785679184, (creditAmount < 2856 | is.na(creditAmount)) & 
#>         duration >= 22.5 & savingsStatus_X.100 >= 0.5 & otherParties_none >= 
#>         0.5 & creditAmount >= 1787 & creditAmount >= 1196 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0134495161, creditAmount >= 
#>         2856 & duration >= 22.5 & savingsStatus_X.100 >= 0.5 & 
#>         otherParties_none >= 0.5 & creditAmount >= 1787 & creditAmount >= 
#>         1196 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00613576919) + case_when((creditAmount < 1474.5 | is.na(creditAmount)) & 
#>     (duration < 8.5 | is.na(duration)) ~ -0.00984792504, creditAmount >= 
#>     1474.5 & (duration < 8.5 | is.na(duration)) ~ -0.0024426959, 
#>     creditAmount >= 6757.5 & otherPaymentPlans_bank >= 0.5 & 
#>         duration >= 8.5 ~ -0.0023412935, otherParties_guarantor >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ -0.00699863955, (age < 24.5 | is.na(age)) & 
#>         employment_X4..X.7 >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & duration >= 8.5 ~ 
#>         -0.00184476585, age >= 24.5 & employment_X4..X.7 >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ -0.00681709079, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 2365 | 
#>         is.na(creditAmount)) & (creditAmount < 6757.5 | is.na(creditAmount)) & 
#>         otherPaymentPlans_bank >= 0.5 & duration >= 8.5 ~ -7.59988616e-05, 
#>     savingsStatus_X.100 >= 0.5 & (creditAmount < 2365 | is.na(creditAmount)) & 
#>         (creditAmount < 6757.5 | is.na(creditAmount)) & otherPaymentPlans_bank >= 
#>         0.5 & duration >= 8.5 ~ 0.00361052947, (duration < 20.5 | 
#>         is.na(duration)) & creditAmount >= 2365 & (creditAmount < 
#>         6757.5 | is.na(creditAmount)) & otherPaymentPlans_bank >= 
#>         0.5 & duration >= 8.5 ~ 0.00215283572, duration >= 20.5 & 
#>         creditAmount >= 2365 & (creditAmount < 6757.5 | is.na(creditAmount)) & 
#>         otherPaymentPlans_bank >= 0.5 & duration >= 8.5 ~ 0.0130338389, 
#>     (age < 29.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ 0.00242294627, (residenceSince < 1.5 | 
#>         is.na(residenceSince)) & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ 0.00643550418, savingsStatus_no.known.savings >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ -0.00295039522, (creditAmount < 2326 | 
#>         is.na(creditAmount)) & age >= 29.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ -0.00165896502, creditAmount >= 2326 & 
#>         age >= 29.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ -0.00875295512, (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & residenceSince >= 1.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ -0.00965845771, residenceSince >= 3.5 & 
#>         residenceSince >= 1.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ 0.00337698101, (numDependents < 1.5 | 
#>         is.na(numDependents)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & installmentCommitment >= 
#>         2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ 0.0042201723, numDependents >= 1.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 8.5 ~ 0.0119278515) + case_when((duration < 
#>     8.5 | is.na(duration)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00755974557, (creditAmount < 1377 | is.na(creditAmount)) & 
#>     employment_X4..X.7 >= 0.5 ~ 0.000673189643, (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>     1377 & employment_X4..X.7 >= 0.5 ~ -0.0100705745, checkingStatus_X0..X.200 >= 
#>     0.5 & creditAmount >= 1377 & employment_X4..X.7 >= 0.5 ~ 
#>     -0.00118974654, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>     8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00911709666, personalStatus_male.single >= 0.5 & housing_rent >= 
#>     0.5 & duration >= 8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00998666976, (creditAmount < 1026 | is.na(creditAmount)) & 
#>     otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     duration >= 8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00840867311, (duration < 22.5 | is.na(duration)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & housing_rent >= 
#>     0.5 & duration >= 8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00288977847, duration >= 22.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & housing_rent >= 
#>     0.5 & duration >= 8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00733919116, (age < 40.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & creditAmount >= 1026 & 
#>     otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     duration >= 8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00267398357, age >= 40.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & creditAmount >= 1026 & 
#>     otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     duration >= 8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00426331209, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (ownTelephone_none < 0.5 | 
#>     is.na(ownTelephone_none)) & creditAmount >= 1026 & otherParties_none >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>     8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.0081080962, propertyMagnitude_car >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     creditAmount >= 1026 & otherParties_none >= 0.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & duration >= 8.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.000317803875, (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & ownTelephone_none >= 0.5 & 
#>     creditAmount >= 1026 & otherParties_none >= 0.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & duration >= 8.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00668745907, creditHistory_delayed.previously >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     ownTelephone_none >= 0.5 & creditAmount >= 1026 & otherParties_none >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>     8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00277281483, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     checkingStatus_X.0 >= 0.5 & ownTelephone_none >= 0.5 & creditAmount >= 
#>     1026 & otherParties_none >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     duration >= 8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00269931648, purpose_furniture.equipment >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 & ownTelephone_none >= 0.5 & creditAmount >= 1026 & otherParties_none >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>     8.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00720203808) + case_when(propertyMagnitude_no.known.property >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) & (age < 39.5 | 
#>     is.na(age)) ~ 0.00707313744, (creditAmount < 2068.5 | is.na(creditAmount)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & age >= 39.5 ~ 
#>     -0.00326128653, creditAmount >= 2068.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & age >= 39.5 ~ 0.0067966911, 
#>     job_unskilled.resident >= 0.5 & residenceSince >= 2.5 & age >= 
#>         39.5 ~ -0.000474001019, (age < 24.5 | is.na(age)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 16.5 & 
#>         (age < 39.5 | is.na(age)) ~ 0.00462843291, (age < 63 | 
#>         is.na(age)) & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         residenceSince >= 2.5 & age >= 39.5 ~ -0.00906963646, 
#>     age >= 63 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         residenceSince >= 2.5 & age >= 39.5 ~ -0.00236659986, 
#>     (duration < 10.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (duration < 
#>         16.5 | is.na(duration)) & (age < 39.5 | is.na(age)) ~ 
#>         -0.00129169493, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (duration < 
#>         16.5 | is.na(duration)) & (age < 39.5 | is.na(age)) ~ 
#>         0.00631616404, installmentCommitment >= 2.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (duration < 16.5 | is.na(duration)) & (age < 39.5 | is.na(age)) ~ 
#>         -0.0025827426, residenceSince >= 3.5 & age >= 24.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 16.5 & (age < 39.5 | is.na(age)) ~ -0.000366079941, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 16.5 & (age < 39.5 | is.na(age)) ~ 
#>         0.00360900746, existingCredits >= 1.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 16.5 & (age < 39.5 | is.na(age)) ~ 
#>         0.0108838305, (creditAmount < 1161.5 | is.na(creditAmount)) & 
#>         duration >= 10.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (duration < 
#>         16.5 | is.na(duration)) & (age < 39.5 | is.na(age)) ~ 
#>         -0.00443669455, creditAmount >= 1161.5 & duration >= 
#>         10.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (duration < 16.5 | is.na(duration)) & (age < 39.5 | is.na(age)) ~ 
#>         -0.00988013856, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & age >= 24.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 16.5 & 
#>         (age < 39.5 | is.na(age)) ~ -0.00911394414, creditHistory_existing.paid >= 
#>         0.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         age >= 24.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 16.5 & (age < 39.5 | is.na(age)) ~ -0.00172292686, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (duration < 
#>         25.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 & (age < 
#>         39.5 | is.na(age)) ~ -0.00719304057, (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & duration >= 25.5 & otherPaymentPlans_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & duration >= 16.5 & 
#>         (age < 39.5 | is.na(age)) ~ 0.00957092363, purpose_radio.tv >= 
#>         0.5 & duration >= 25.5 & otherPaymentPlans_none >= 0.5 & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 & (age < 
#>         39.5 | is.na(age)) ~ -0.000739432173, (age < 25.5 | is.na(age)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (duration < 25.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & duration >= 16.5 & 
#>         (age < 39.5 | is.na(age)) ~ 0.00368393585, age >= 25.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (duration < 25.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & duration >= 16.5 & 
#>         (age < 39.5 | is.na(age)) ~ 0.000212646177) + case_when(duration >= 
#>     31.5 & checkingStatus_X.0 >= 0.5 ~ 0.00827373751, propertyMagnitude_real.estate >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00763267046, checkingStatus_X0..X.200 >= 
#>     0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (duration < 16.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00432502571, savingsStatus_X500..X.1000 >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00279487716, purpose_new.car >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00925801508, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00845333654, ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (duration < 31.5 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.000137976065, (housing_own < 
#>     0.5 | is.na(housing_own)) & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     16.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00858221017, housing_own >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     16.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00327709038, housing_rent >= 0.5 & (savingsStatus_X500..X.1000 < 
#>     0.5 | is.na(savingsStatus_X500..X.1000)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00180183165, propertyMagnitude_real.estate >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     savingsStatus_X.100 >= 0.5 & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00648844987, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>     0.5 & (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00260405825, ownTelephone_none >= 0.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>     0.5 & (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00503873592, purpose_radio.tv >= 0.5 & installmentCommitment >= 
#>     2.5 & savingsStatus_X.100 >= 0.5 & (duration < 31.5 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 ~ -0.00294007361, (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.0100018065, purpose_radio.tv >= 0.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (savingsStatus_X500..X.1000 < 
#>     0.5 | is.na(savingsStatus_X500..X.1000)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & duration >= 16.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.000421477773, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (purpose_radio.tv < 0.5 | 
#>     is.na(purpose_radio.tv)) & installmentCommitment >= 2.5 & 
#>     savingsStatus_X.100 >= 0.5 & (duration < 31.5 | is.na(duration)) & 
#>     checkingStatus_X.0 >= 0.5 ~ 0.000187928978, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (age < 36.5 | is.na(age)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>     0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000982687692, ownTelephone_none >= 0.5 & (age < 36.5 | 
#>     is.na(age)) & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>     0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00807291269, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     age >= 36.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>     0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00274027814, checkingStatus_X0..X.200 >= 0.5 & age >= 
#>     36.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>     0.5 & duration >= 16.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00750403944, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & residenceSince >= 
#>     2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     installmentCommitment >= 2.5 & savingsStatus_X.100 >= 0.5 & 
#>     (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00976255443, personalStatus_female.div.dep.mar >= 
#>     0.5 & residenceSince >= 2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     installmentCommitment >= 2.5 & savingsStatus_X.100 >= 0.5 & 
#>     (duration < 31.5 | is.na(duration)) & checkingStatus_X.0 >= 
#>     0.5 ~ 0.00336406869) + case_when(purpose_education >= 0.5 ~ 
#>     0.00797209702, (duration < 8.5 | is.na(duration)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ -0.00848785136, savingsStatus_X..1000 >= 
#>     0.5 & (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     -0.00925640017, (residenceSince < 3 | is.na(residenceSince)) & 
#>     creditAmount >= 8962.5 & duration >= 8.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ 0.00995689724, residenceSince >= 
#>     3 & creditAmount >= 8962.5 & duration >= 8.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ 0.0010012358, (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & purpose_used.car >= 0.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     -0.00854863878, employment_X..7 >= 0.5 & purpose_used.car >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     -0.00010695104, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (creditAmount < 
#>     1549 | is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     0.00729649281, existingCredits >= 1.5 & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (creditAmount < 1549 | is.na(creditAmount)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 8962.5 | 
#>     is.na(creditAmount)) & duration >= 8.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ -0.000511992723, (age < 
#>     38.5 | is.na(age)) & employment_X..7 >= 0.5 & (creditAmount < 
#>     1549 | is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     -0.00239173486, age >= 38.5 & employment_X..7 >= 0.5 & (creditAmount < 
#>     1549 | is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     7.004074e-05, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     creditAmount >= 1549 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     -0.00891822204, job_skilled >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & creditAmount >= 1549 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 8962.5 | 
#>     is.na(creditAmount)) & duration >= 8.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ -0.000360879989, (age < 
#>     42.5 | is.na(age)) & installmentCommitment >= 3.5 & creditAmount >= 
#>     1549 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     0.00425777817, age >= 42.5 & installmentCommitment >= 3.5 & 
#>     creditAmount >= 1549 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (creditAmount < 8962.5 | is.na(creditAmount)) & duration >= 
#>     8.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>     -0.00430385489) + case_when((personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_used.car >= 
#>     0.5 ~ -0.00950620323, personalStatus_female.div.dep.mar >= 
#>     0.5 & purpose_used.car >= 0.5 ~ -0.0035436668, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & duration >= 25.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) ~ -0.00303343986, (housing_own < 
#>     0.5 | is.na(housing_own)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) ~ 0.00419522263, housing_own >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00630437303, numDependents >= 1.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (duration < 25.5 | is.na(duration)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.00218405901, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         employment_X.1 >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00297074136, propertyMagnitude_car >= 0.5 & employment_X.1 >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00475356076, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & residenceSince >= 
#>         1.5 & duration >= 25.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00315829157, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00385528943, propertyMagnitude_life.insurance >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00489591109, employment_X..7 >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00163630466, (age < 35 | 
#>         is.na(age)) & checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 
#>         1.5 & duration >= 25.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0103499163, age >= 35 & 
#>         checkingStatus_X0..X.200 >= 0.5 & residenceSince >= 1.5 & 
#>         duration >= 25.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00074058969, (creditAmount < 2478 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & installmentCommitment >= 
#>         2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00804406777, creditAmount >= 
#>         2478 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00101036124, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (age < 25.5 | is.na(age)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (duration < 25.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00436179107, residenceSince >= 2.5 & (age < 25.5 | 
#>         is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>         25.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00609744107, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & age >= 25.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (duration < 25.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.010428655, employment_X1..X.4 >= 0.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & age >= 25.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (duration < 25.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0055670999, (creditAmount < 1487.5 | is.na(creditAmount)) & 
#>         job_unskilled.resident >= 0.5 & age >= 25.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (duration < 25.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00187231926, creditAmount >= 1487.5 & job_unskilled.resident >= 
#>         0.5 & age >= 25.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>         25.5 | is.na(duration)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00566951418) + case_when(otherParties_guarantor >= 
#>     0.5 ~ -0.00734153669, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     employment_X4..X.7 >= 0.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ 0.00248629507, (duration < 
#>     28.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>     employment_X4..X.7 >= 0.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ -0.00835243519, duration >= 
#>     28.5 & otherPaymentPlans_none >= 0.5 & employment_X4..X.7 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     -0.000678453594, (creditAmount < 2525 | is.na(creditAmount)) & 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00071021897, creditAmount >= 
#>     2525 & (residenceSince < 1.5 | is.na(residenceSince)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00853501633, creditAmount >= 
#>     7672.5 & residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00928234216, (creditAmount < 
#>     1464 | is.na(creditAmount)) & (duration < 19.5 | is.na(duration)) & 
#>     savingsStatus_no.known.savings >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00301638548, creditAmount >= 
#>     1464 & (duration < 19.5 | is.na(duration)) & savingsStatus_no.known.savings >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00262899697, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     duration >= 19.5 & savingsStatus_no.known.savings >= 0.5 & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     -0.0104456218, installmentCommitment >= 3.5 & duration >= 
#>     19.5 & savingsStatus_no.known.savings >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.000669584551, purpose_education >= 
#>     0.5 & (creditAmount < 7672.5 | is.na(creditAmount)) & residenceSince >= 
#>     1.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00860190671, (duration < 7.5 | is.na(duration)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (creditAmount < 7672.5 | 
#>     is.na(creditAmount)) & residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00830280781, (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 7.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (creditAmount < 7672.5 | 
#>     is.na(creditAmount)) & residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.000881870219, purpose_new.car >= 
#>     0.5 & duration >= 7.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (creditAmount < 7672.5 | is.na(creditAmount)) & residenceSince >= 
#>     1.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00545590511) + case_when((residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (creditAmount < 1366 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.00405784883, residenceSince >= 
#>     3.5 & (creditAmount < 1366 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00367926876, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>     1366 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00966523774, checkingStatus_X.0 >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>     1366 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.0038076709, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     propertyMagnitude_life.insurance >= 0.5 & creditAmount >= 
#>     1366 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     0.00562616857, residenceSince >= 2.5 & propertyMagnitude_life.insurance >= 
#>     0.5 & creditAmount >= 1366 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.00865882542, (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (ownTelephone_none < 0.5 | 
#>     is.na(ownTelephone_none)) & (creditAmount < 2133 | is.na(creditAmount)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00337692699, residenceSince >= 
#>     3.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (creditAmount < 2133 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00806432124, creditAmount >= 1574 & ownTelephone_none >= 
#>     0.5 & (creditAmount < 2133 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00593909482, purpose_new.car >= 0.5 & installmentCommitment >= 
#>     2.5 & creditAmount >= 2133 & savingsStatus_X.100 >= 0.5 ~ 
#>     0.0120113911, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>     1574 | is.na(creditAmount)) & ownTelephone_none >= 0.5 & 
#>     (creditAmount < 2133 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00537790684, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 4447 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & creditAmount >= 2133 & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00811711699, checkingStatus_X.0 >= 
#>     0.5 & (creditAmount < 4447 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & creditAmount >= 2133 & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00189189822, (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>     4447 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     creditAmount >= 2133 & savingsStatus_X.100 >= 0.5 ~ -0.0012633492, 
#>     checkingStatus_X0..X.200 >= 0.5 & creditAmount >= 4447 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 2133 & savingsStatus_X.100 >= 0.5 ~ 0.00677601434, 
#>     (creditAmount < 1105.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (creditAmount < 1574 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 & (creditAmount < 
#>         2133 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00173705351, creditAmount >= 1105.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (creditAmount < 1574 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 & (creditAmount < 
#>         2133 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00790990796, (creditAmount < 2788 | is.na(creditAmount)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & installmentCommitment >= 
#>         2.5 & creditAmount >= 2133 & savingsStatus_X.100 >= 0.5 ~ 
#>         0.00144539482, creditAmount >= 2788 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & installmentCommitment >= 2.5 & 
#>         creditAmount >= 2133 & savingsStatus_X.100 >= 0.5 ~ -0.00217818306, 
#>     (creditAmount < 5322 | is.na(creditAmount)) & ownTelephone_yes >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         installmentCommitment >= 2.5 & creditAmount >= 2133 & 
#>         savingsStatus_X.100 >= 0.5 ~ 0.00872514211, creditAmount >= 
#>         5322 & ownTelephone_yes >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & installmentCommitment >= 2.5 & 
#>         creditAmount >= 2133 & savingsStatus_X.100 >= 0.5 ~ 0.00320791896) + 
#>     case_when(age >= 50 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>         0.00287573086, purpose_business >= 0.5 & (age < 50 | 
#>         is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>         -0.000224395611, housing_for.free >= 0.5 & (creditAmount < 
#>         3885.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 ~ 0.00551913772, employment_X4..X.7 >= 
#>         0.5 & creditAmount >= 3885.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 ~ -2.19038702e-05, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 1931 | 
#>         is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 ~ -0.00333203864, 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 1931 | is.na(creditAmount)) & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             installmentCommitment >= 2.5 ~ -0.00913641043, (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & creditAmount >= 1931 & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             installmentCommitment >= 2.5 ~ -0.00554190157, employment_X..7 >= 
#>             0.5 & creditAmount >= 1931 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & installmentCommitment >= 2.5 ~ 0.00575447502, 
#>         ownTelephone_none >= 0.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (age < 50 | is.na(age)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>             -0.0115578519, (duration < 19.5 | is.na(duration)) & 
#>             purpose_furniture.equipment >= 0.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (age < 50 | is.na(age)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>             -0.00423550606, duration >= 19.5 & purpose_furniture.equipment >= 
#>             0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (age < 50 | is.na(age)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) ~ -0.00042104756, 
#>         (duration < 29 | is.na(duration)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & creditAmount >= 
#>             3885.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ 0.0026149794, duration >= 
#>             29 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             creditAmount >= 3885.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ 0.00906703528, (age < 
#>             38.5 | is.na(age)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (age < 50 | is.na(age)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) ~ -0.00828088168, 
#>         age >= 38.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             (age < 50 | is.na(age)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) ~ 0.00287017389, 
#>         propertyMagnitude_car >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>             (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>             (creditAmount < 3885.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ 0.00120440999, (age < 
#>             23.5 | is.na(age)) & duration >= 16.5 & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (creditAmount < 
#>             3885.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ 0.00651490316, (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (duration < 
#>             16.5 | is.na(duration)) & (housing_for.free < 0.5 | 
#>             is.na(housing_for.free)) & (creditAmount < 3885.5 | 
#>             is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ -0.00938907359, job_unskilled.resident >= 
#>             0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (duration < 16.5 | is.na(duration)) & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (creditAmount < 
#>             3885.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ -0.00210028375, (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & age >= 
#>             23.5 & duration >= 16.5 & (housing_for.free < 0.5 | 
#>             is.na(housing_for.free)) & (creditAmount < 3885.5 | 
#>             is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ 0.00366061763, (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & creditHistory_existing.paid >= 
#>             0.5 & age >= 23.5 & duration >= 16.5 & (housing_for.free < 
#>             0.5 | is.na(housing_for.free)) & (creditAmount < 
#>             3885.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ -0.00595717411, checkingStatus_X.0 >= 
#>             0.5 & creditHistory_existing.paid >= 0.5 & age >= 
#>             23.5 & duration >= 16.5 & (housing_for.free < 0.5 | 
#>             is.na(housing_for.free)) & (creditAmount < 3885.5 | 
#>             is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             installmentCommitment >= 2.5 ~ -0.000141067867) + 
#>     case_when(creditHistory_delayed.previously >= 0.5 & (duration < 
#>         23 | is.na(duration)) ~ -0.00941396225, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & otherPaymentPlans_bank >= 
#>         0.5 & duration >= 23 ~ 0.0105121098, residenceSince >= 
#>         2.5 & otherPaymentPlans_bank >= 0.5 & duration >= 23 ~ 
#>         0.00160983601, checkingStatus_X..200 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & duration >= 23 ~ 
#>         -0.00520847738, (creditAmount < 5153.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & duration >= 23 ~ 
#>         -0.00779412547, creditAmount >= 5153.5 & checkingStatus_no.checking >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 23 ~ -0.00306166522, (creditAmount < 774.5 | 
#>         is.na(creditAmount)) & (creditAmount < 979.5 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (duration < 23 | is.na(duration)) ~ -0.00172585796, creditAmount >= 
#>         774.5 & (creditAmount < 979.5 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (duration < 23 | is.na(duration)) ~ 0.00296321721, creditAmount >= 
#>         5173.5 & creditAmount >= 979.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (duration < 
#>         23 | is.na(duration)) ~ 0.000281954533, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & employment_X1..X.4 >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (duration < 23 | is.na(duration)) ~ 0.00847169477, installmentCommitment >= 
#>         3.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         employment_X1..X.4 >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (duration < 
#>         23 | is.na(duration)) ~ 0.0028010346, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & creditHistory_existing.paid >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (duration < 
#>         23 | is.na(duration)) ~ -0.00346791861, installmentCommitment >= 
#>         3.5 & creditHistory_existing.paid >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (duration < 23 | is.na(duration)) ~ 0.00603458518, purpose_radio.tv >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 23 ~ 0.00703960704, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         5173.5 | is.na(creditAmount)) & creditAmount >= 979.5 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (duration < 23 | is.na(duration)) ~ -0.00761573948, checkingStatus_X0..X.200 >= 
#>         0.5 & (creditAmount < 5173.5 | is.na(creditAmount)) & 
#>         creditAmount >= 979.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (duration < 23 | is.na(duration)) ~ -0.0033717975, propertyMagnitude_car >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         duration >= 23 ~ 0.00570675218, duration >= 33 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & duration >= 23 ~ 
#>         -0.00358788576, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 33 | is.na(duration)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & duration >= 23 ~ 
#>         0.00358548365, ownTelephone_yes >= 0.5 & (duration < 
#>         33 | is.na(duration)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (checkingStatus_X..200 < 0.5 | 
#>         is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & duration >= 23 ~ 
#>         0.000155486327) + case_when(age >= 46 & creditAmount >= 
#>     3954 ~ 0.012136179, purpose_education >= 0.5 & age >= 25.5 & 
#>     (creditAmount < 3954 | is.na(creditAmount)) ~ 0.00479738833, 
#>     numDependents >= 1.5 & (age < 46 | is.na(age)) & creditAmount >= 
#>         3954 ~ -0.00640459172, (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (age < 25.5 | is.na(age)) & 
#>         (creditAmount < 3954 | is.na(creditAmount)) ~ 0.000771955587, 
#>     checkingStatus_X0..X.200 >= 0.5 & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & (age < 25.5 | is.na(age)) & 
#>         (creditAmount < 3954 | is.na(creditAmount)) ~ 0.00766093191, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         residenceSince >= 2.5 & (age < 25.5 | is.na(age)) & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ -0.000997116673, installmentCommitment >= 
#>         3.5 & residenceSince >= 2.5 & (age < 25.5 | is.na(age)) & 
#>         (creditAmount < 3954 | is.na(creditAmount)) ~ -0.00609083893, 
#>     personalStatus_male.div.sep >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ 0.00339682028, savingsStatus_no.known.savings >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (age < 46 | is.na(age)) & creditAmount >= 3954 ~ -0.00215499219, 
#>     (housing_own < 0.5 | is.na(housing_own)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (age < 46 | is.na(age)) & 
#>         creditAmount >= 3954 ~ 0.00917940773, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         11.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ -0.00980842486, personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 11.5 | is.na(duration)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ -0.00375630544, (creditAmount < 
#>         5025 | is.na(creditAmount)) & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (age < 46 | is.na(age)) & 
#>         creditAmount >= 3954 ~ 0.00943752471, (duration < 13.5 | 
#>         is.na(duration)) & (creditAmount < 1279 | is.na(creditAmount)) & 
#>         duration >= 11.5 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ -0.00336232805, duration >= 
#>         13.5 & (creditAmount < 1279 | is.na(creditAmount)) & 
#>         duration >= 11.5 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ 0.00951214973, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & creditAmount >= 1279 & 
#>         duration >= 11.5 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ -0.00883590057, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>         5025 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (age < 46 | is.na(age)) & 
#>         creditAmount >= 3954 ~ 0.0009223448, checkingStatus_no.checking >= 
#>         0.5 & creditAmount >= 5025 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (age < 46 | is.na(age)) & 
#>         creditAmount >= 3954 ~ -0.0047222022, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & ownTelephone_none >= 
#>         0.5 & creditAmount >= 1279 & duration >= 11.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ -0.00740547525, checkingStatus_X.0 >= 
#>         0.5 & ownTelephone_none >= 0.5 & creditAmount >= 1279 & 
#>         duration >= 11.5 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & age >= 25.5 & (creditAmount < 
#>         3954 | is.na(creditAmount)) ~ 0.000350692746) + case_when((foreignWorker_yes < 
#>     0.5 | is.na(foreignWorker_yes)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) ~ -0.00809131749, (creditAmount < 
#>     7050 | is.na(creditAmount)) & purpose_used.car >= 0.5 ~ -0.0111087309, 
#>     creditAmount >= 7050 & purpose_used.car >= 0.5 ~ 0.000654481235, 
#>     creditAmount >= 9214 & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00833285227, (duration < 
#>         8.5 | is.na(duration)) & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00577357039, (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 5060 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         duration >= 8.5 & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00474819681, ownTelephone_yes >= 
#>         0.5 & creditAmount >= 5060 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & duration >= 
#>         8.5 & (creditAmount < 9214 | is.na(creditAmount)) & foreignWorker_yes >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000123283753, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>         3078.5 | is.na(creditAmount)) & purpose_furniture.equipment >= 
#>         0.5 & duration >= 8.5 & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.000422544777, (duration < 
#>         27 | is.na(duration)) & creditAmount >= 3078.5 & purpose_furniture.equipment >= 
#>         0.5 & duration >= 8.5 & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00247761095, duration >= 
#>         27 & creditAmount >= 3078.5 & purpose_furniture.equipment >= 
#>         0.5 & duration >= 8.5 & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00460331561, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 5060 | 
#>         is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & duration >= 
#>         8.5 & (creditAmount < 9214 | is.na(creditAmount)) & foreignWorker_yes >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00380404363, propertyMagnitude_real.estate >= 0.5 & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 5060 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & duration >= 
#>         8.5 & (creditAmount < 9214 | is.na(creditAmount)) & foreignWorker_yes >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00912956055, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         purpose_radio.tv >= 0.5 & (creditAmount < 5060 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         duration >= 8.5 & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00269301282, employment_X.1 >= 
#>         0.5 & purpose_radio.tv >= 0.5 & (creditAmount < 5060 | 
#>         is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & duration >= 
#>         8.5 & (creditAmount < 9214 | is.na(creditAmount)) & foreignWorker_yes >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00567046553, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditAmount < 3078.5 | is.na(creditAmount)) & purpose_furniture.equipment >= 
#>         0.5 & duration >= 8.5 & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.0100165065, housing_own >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditAmount < 3078.5 | is.na(creditAmount)) & purpose_furniture.equipment >= 
#>         0.5 & duration >= 8.5 & (creditAmount < 9214 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00085479056) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 ~ 0.0062734941, (age < 22.5 | is.na(age)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00575658726, 
#>     numDependents >= 1.5 & installmentCommitment >= 3.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00789956935, 
#>     (creditAmount < 4599.5 | is.na(creditAmount)) & savingsStatus_X100..X.500 >= 
#>         0.5 & age >= 22.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00356087158, creditAmount >= 4599.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & age >= 22.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00665561482, (creditAmount < 1626 | is.na(creditAmount)) & 
#>         purpose_radio.tv >= 0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         installmentCommitment >= 3.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.0096535217, 
#>     purpose_furniture.equipment >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & age >= 22.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00184930093, checkingStatus_X.0 >= 0.5 & ownTelephone_yes >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         age >= 22.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00181294873, personalStatus_female.div.dep.mar >= 0.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & installmentCommitment >= 
#>         3.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00988399237, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.0017792912, purpose_furniture.equipment >= 0.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & installmentCommitment >= 
#>         3.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00833106879, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 1626 & purpose_radio.tv >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & installmentCommitment >= 
#>         3.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00423099007, ownTelephone_yes >= 0.5 & creditAmount >= 
#>         1626 & purpose_radio.tv >= 0.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.000655422744, (creditAmount < 1306 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         age >= 22.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00142804312, age >= 39.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & ownTelephone_yes >= 0.5 & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         age >= 22.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00934173167, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         creditAmount >= 1306 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & age >= 22.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.0122925146, existingCredits >= 1.5 & creditAmount >= 
#>         1306 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         age >= 22.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00517170178, (age < 27.5 | is.na(age)) & (age < 39.5 | 
#>         is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         ownTelephone_yes >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & age >= 22.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.000305079797, age >= 27.5 & (age < 39.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         ownTelephone_yes >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & age >= 22.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00344412657, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (creditAmount < 1906.5 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.00502063334, purpose_new.car >= 0.5 & (creditAmount < 
#>         1906.5 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.000903153385, (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         creditAmount >= 1906.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         -0.000269397075, purpose_business >= 0.5 & creditAmount >= 
#>         1906.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & installmentCommitment >= 
#>         3.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.0113456054) + case_when((duration < 37.5 | is.na(duration)) & 
#>     creditAmount >= 8918 ~ 0.0100418264, duration >= 37.5 & creditAmount >= 
#>     8918 ~ -0.000369426532, (foreignWorker_yes < 0.5 | is.na(foreignWorker_yes)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>     8918 | is.na(creditAmount)) ~ -0.009045491, (housing_own < 
#>     0.5 | is.na(housing_own)) & purpose_used.car >= 0.5 & (creditAmount < 
#>     8918 | is.na(creditAmount)) ~ -0.00417453516, housing_own >= 
#>     0.5 & purpose_used.car >= 0.5 & (creditAmount < 8918 | is.na(creditAmount)) ~ 
#>     -0.00959344022, creditAmount >= 7178.5 & duration >= 15.5 & 
#>     foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (creditAmount < 8918 | is.na(creditAmount)) ~ -0.00785919093, 
#>     propertyMagnitude_life.insurance >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (duration < 15.5 | 
#>         is.na(duration)) & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ 0.000540221401, numDependents >= 
#>         1.5 & installmentCommitment >= 3.5 & (duration < 15.5 | 
#>         is.na(duration)) & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ 0.0101253726, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (duration < 15.5 | 
#>         is.na(duration)) & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ -0.000178349626, residenceSince >= 
#>         1.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 15.5 | is.na(duration)) & foreignWorker_yes >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 8918 | is.na(creditAmount)) ~ -0.00980463158, 
#>     residenceSince >= 3.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         installmentCommitment >= 3.5 & (duration < 15.5 | is.na(duration)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 8918 | is.na(creditAmount)) ~ 
#>         -0.00633135438, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (creditAmount < 7178.5 | is.na(creditAmount)) & duration >= 
#>         15.5 & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ -0.00830722414, otherPaymentPlans_bank >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 7178.5 | is.na(creditAmount)) & 
#>         duration >= 15.5 & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ 0.00410822546, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & installmentCommitment >= 3.5 & 
#>         (duration < 15.5 | is.na(duration)) & foreignWorker_yes >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 8918 | is.na(creditAmount)) ~ -0.0019130063, 
#>     personalStatus_male.single >= 0.5 & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         installmentCommitment >= 3.5 & (duration < 15.5 | is.na(duration)) & 
#>         foreignWorker_yes >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 8918 | is.na(creditAmount)) ~ 
#>         0.00582402106, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 7178.5 | is.na(creditAmount)) & duration >= 
#>         15.5 & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ -0.00574116688, residenceSince >= 
#>         1.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 7178.5 | is.na(creditAmount)) & duration >= 
#>         15.5 & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ 0.00190982712, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & checkingStatus_X.0 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 7178.5 | is.na(creditAmount)) & duration >= 
#>         15.5 & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ 0.00229691854, otherPaymentPlans_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 7178.5 | is.na(creditAmount)) & duration >= 
#>         15.5 & foreignWorker_yes >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 8918 | 
#>         is.na(creditAmount)) ~ 0.00757849636) + case_when((creditAmount < 
#>     4970 | is.na(creditAmount)) & purpose_used.car >= 0.5 ~ -0.010386752, 
#>     creditAmount >= 4970 & purpose_used.car >= 0.5 ~ -0.00287669408, 
#>     otherPaymentPlans_bank >= 0.5 & (age < 26.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0110461544, (age < 30.5 | is.na(age)) & checkingStatus_X.0 >= 
#>         0.5 & age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00434903055, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (age < 26.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00267459452, residenceSince >= 
#>         2.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (age < 26.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00881592836, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (age < 26.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.0036880176, (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & numDependents >= 1.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00704706786, ownTelephone_yes >= 0.5 & numDependents >= 
#>         1.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00756605063, (age < 35.5 | is.na(age)) & age >= 30.5 & 
#>         checkingStatus_X.0 >= 0.5 & age >= 26.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0109303184, (duration < 
#>         16.5 | is.na(duration)) & residenceSince >= 1.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (age < 26.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.000495734974, duration >= 
#>         16.5 & residenceSince >= 1.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (age < 26.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00983831938, residenceSince >= 
#>         2.5 & (age < 30.5 | is.na(age)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00457256427, installmentCommitment >= 3.5 & age >= 
#>         35.5 & age >= 30.5 & checkingStatus_X.0 >= 0.5 & age >= 
#>         26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00226646452, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (age < 
#>         30.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0011215324, job_skilled >= 0.5 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (age < 30.5 | is.na(age)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & age >= 26.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.0076372819, (age < 
#>         32.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00173857925, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & age >= 30.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & age >= 26.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.0055953986, job_skilled >= 
#>         0.5 & propertyMagnitude_no.known.property >= 0.5 & age >= 
#>         30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00093942479, (numDependents < 1.5 | is.na(numDependents)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         age >= 35.5 & age >= 30.5 & checkingStatus_X.0 >= 0.5 & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00788093824, numDependents >= 1.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & age >= 35.5 & age >= 
#>         30.5 & checkingStatus_X.0 >= 0.5 & age >= 26.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00340210972, (duration < 
#>         19.5 | is.na(duration)) & age >= 32.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0100731459, duration >= 19.5 & age >= 32.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         30.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         age >= 26.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00498905638) + case_when(savingsStatus_X..1000 >= 
#>     0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>     -0.0074181431, job_high.qualif.self.emp.mgmt >= 0.5 & propertyMagnitude_no.known.property >= 
#>     0.5 ~ -0.00364461984, (creditAmount < 2566 | is.na(creditAmount)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     propertyMagnitude_no.known.property >= 0.5 ~ 0.0115452008, 
#>     residenceSince >= 3.5 & employment_X.1 >= 0.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.0075493115, 
#>     (age < 40.5 | is.na(age)) & creditAmount >= 2566 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & propertyMagnitude_no.known.property >= 
#>         0.5 ~ 0.00376065611, age >= 40.5 & creditAmount >= 2566 & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         propertyMagnitude_no.known.property >= 0.5 ~ 7.68738464e-05, 
#>     (duration < 16.5 | is.na(duration)) & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & employment_X.1 >= 0.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00323213008, 
#>     creditAmount >= 4451 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00590478629, 
#>     (creditAmount < 1110.5 | is.na(creditAmount)) & residenceSince >= 
#>         2.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.000720064796, 
#>     (creditAmount < 2507.5 | is.na(creditAmount)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & purpose_new.car >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00727110868, creditAmount >= 2507.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & purpose_new.car >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00669779396, (creditAmount < 1850.5 | is.na(creditAmount)) & 
#>         ownTelephone_none >= 0.5 & purpose_new.car >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00867537875, 
#>     creditAmount >= 1850.5 & ownTelephone_none >= 0.5 & purpose_new.car >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00124621973, (age < 28 | is.na(age)) & duration >= 
#>         16.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         employment_X.1 >= 0.5 & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00665049255, 
#>     age >= 28 & duration >= 16.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         employment_X.1 >= 0.5 & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00191622926, 
#>     employment_X4..X.7 >= 0.5 & (creditAmount < 4451 | is.na(creditAmount)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00958363526, 
#>     (housing_own < 0.5 | is.na(housing_own)) & creditAmount >= 
#>         1110.5 & residenceSince >= 2.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00143602537, (duration < 16.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 4451 | is.na(creditAmount)) & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00426588394, duration >= 16.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 4451 | 
#>         is.na(creditAmount)) & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.0021493556, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & housing_own >= 
#>         0.5 & creditAmount >= 1110.5 & residenceSince >= 2.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00356153003, 
#>     residenceSince >= 3.5 & housing_own >= 0.5 & creditAmount >= 
#>         1110.5 & residenceSince >= 2.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00910143275) + case_when((duration < 27 | is.na(duration)) & 
#>     (otherParties_none < 0.5 | is.na(otherParties_none)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00877448265, duration >= 27 & (otherParties_none < 0.5 | 
#>     is.na(otherParties_none)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.000690031331, purpose_new.car >= 0.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ 2.57007359e-05, (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & employment_X1..X.4 >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     0.00301560457, checkingStatus_no.checking >= 0.5 & employment_X1..X.4 >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.00382857141, checkingStatus_X..200 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & otherParties_none >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00549061364, 
#>     (housing_for.free < 0.5 | is.na(housing_for.free)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00793475471, housing_for.free >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00125406997, creditHistory_delayed.previously >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000907256443, (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000803176605, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>         0.5 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00561245903, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         job_skilled >= 0.5 & checkingStatus_no.checking >= 0.5 & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0101816375, existingCredits >= 1.5 & job_skilled >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00102707266, residenceSince >= 2.5 & creditAmount >= 
#>         3757.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00959181972, (duration < 13.5 | is.na(duration)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditAmount < 3757.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0038697375, duration >= 13.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditAmount < 3757.5 | 
#>         is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & otherParties_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00459088385, (creditAmount < 1565 | is.na(creditAmount)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 3757.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00838450622, creditAmount >= 1565 & ownTelephone_none >= 
#>         0.5 & (creditAmount < 3757.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00062664313, (creditAmount < 6899 | is.na(creditAmount)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & creditAmount >= 
#>         3757.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00651198439, creditAmount >= 6899 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & creditAmount >= 3757.5 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000115219053) + case_when((creditAmount < 690 | is.na(creditAmount)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00762205478, 
#>     (creditAmount < 7002.5 | is.na(creditAmount)) & purpose_used.car >= 
#>         0.5 ~ -0.00980216637, creditAmount >= 7002.5 & purpose_used.car >= 
#>         0.5 ~ 0.000568582793, purpose_furniture.equipment >= 
#>         0.5 & age >= 31.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & creditAmount >= 
#>         690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0076791686, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 32.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 & creditAmount >= 690 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00356432213, purpose_radio.tv >= 
#>         0.5 & (age < 32.5 | is.na(age)) & checkingStatus_no.checking >= 
#>         0.5 & creditAmount >= 690 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00422587804, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & age >= 32.5 & checkingStatus_no.checking >= 
#>         0.5 & creditAmount >= 690 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00236348948, job_skilled >= 
#>         0.5 & age >= 32.5 & checkingStatus_no.checking >= 0.5 & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0086693354, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         purpose_radio.tv >= 0.5 & (age < 31.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0017851647, employment_X1..X.4 >= 0.5 & purpose_radio.tv >= 
#>         0.5 & (age < 31.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>         690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00604552636, propertyMagnitude_life.insurance >= 0.5 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         age >= 31.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00336120697, creditAmount >= 4290 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (age < 31.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00285274466, (age < 25.5 | is.na(age)) & propertyMagnitude_car >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 31.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>         690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00874422863, age >= 25.5 & propertyMagnitude_car >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 31.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>         690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00581138348, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditAmount < 4290 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (age < 31.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000874476798, personalStatus_male.single >= 0.5 & 
#>         (creditAmount < 4290 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (age < 31.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00962428469, (creditAmount < 1349 | is.na(creditAmount)) & 
#>         (duration < 25.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 31.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00627599098, creditAmount >= 1349 & (duration < 25.5 | 
#>         is.na(duration)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 31.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00543882931, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         duration >= 25.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & age >= 31.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00168943626, residenceSince >= 3.5 & duration >= 25.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         age >= 31.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 690 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00970234629) + case_when(otherParties_guarantor >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00662475312, (creditAmount < 6499 | is.na(creditAmount)) & 
#>     purpose_used.car >= 0.5 ~ -0.00915791187, creditAmount >= 
#>     6499 & purpose_used.car >= 0.5 ~ -0.000868558593, checkingStatus_no.checking >= 
#>     0.5 & employment_X4..X.7 >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00629771454, employment_X.1 >= 
#>     0.5 & housing_rent >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.000411198795, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & employment_X4..X.7 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00371705159, existingCredits >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & employment_X4..X.7 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00797357317, numDependents >= 1.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00190120691, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & housing_rent >= 0.5 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0129916752, installmentCommitment >= 3.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & housing_rent >= 0.5 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00153323286, (duration < 16.5 | is.na(duration)) & 
#>         (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0092672538, duration >= 
#>         16.5 & (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00112681033, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>         1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00384569215, creditAmount >= 
#>         2825.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00905621797, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00170148851, installmentCommitment >= 
#>         3.5 & residenceSince >= 1.5 & installmentCommitment >= 
#>         1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00464811362, (creditAmount < 
#>         1832 | is.na(creditAmount)) & (creditAmount < 2825.5 | 
#>         is.na(creditAmount)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00501281489, creditAmount >= 
#>         1832 & (creditAmount < 2825.5 | is.na(creditAmount)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00565782655) + case_when(purpose_business >= 
#>     0.5 & otherPaymentPlans_bank >= 0.5 ~ -0.000878213206, (age < 
#>     30.5 | is.na(age)) & (duration < 11.5 | is.na(duration)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.000449138606, age >= 30.5 & (duration < 11.5 | is.na(duration)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.00918446481, (age < 27.5 | is.na(age)) & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & otherPaymentPlans_bank >= 
#>     0.5 ~ 0.00947764888, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     purpose_used.car >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00859778281, ownTelephone_none >= 
#>     0.5 & purpose_used.car >= 0.5 & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00191260315, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & age >= 27.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & otherPaymentPlans_bank >= 
#>     0.5 ~ -0.00144521007, personalStatus_female.div.dep.mar >= 
#>     0.5 & purpose_radio.tv >= 0.5 & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00839300733, (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 0.5 & 
#>     age >= 27.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     otherPaymentPlans_bank >= 0.5 ~ 0.00172810268, purpose_new.car >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & age >= 27.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & otherPaymentPlans_bank >= 
#>     0.5 ~ 0.0114143929, (creditAmount < 2456 | is.na(creditAmount)) & 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ 0.0106088938, creditAmount >= 
#>     2456 & (residenceSince < 1.5 | is.na(residenceSince)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00237165927, propertyMagnitude_car >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     purpose_radio.tv >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.00576744461, creditAmount >= 3446.5 & (creditAmount < 
#>     3812 | is.na(creditAmount)) & residenceSince >= 1.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.0101123964, (creditAmount < 
#>     5016.5 | is.na(creditAmount)) & creditAmount >= 3812 & residenceSince >= 
#>     1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00853389595, (duration < 22.5 | is.na(duration)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_radio.tv >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     -0.00124457316, duration >= 22.5 & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_radio.tv >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00494984398, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3446.5 | is.na(creditAmount)) & (creditAmount < 
#>     3812 | is.na(creditAmount)) & residenceSince >= 1.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00190465373, checkingStatus_X.0 >= 
#>     0.5 & (creditAmount < 3446.5 | is.na(creditAmount)) & (creditAmount < 
#>     3812 | is.na(creditAmount)) & residenceSince >= 1.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00400665356, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 5016.5 & 
#>     creditAmount >= 3812 & residenceSince >= 1.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 11.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00274741044, savingsStatus_X.100 >= 
#>     0.5 & creditAmount >= 5016.5 & creditAmount >= 3812 & residenceSince >= 
#>     1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & duration >= 
#>     11.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>     0.00429825438) + case_when(housing_for.free >= 0.5 & creditAmount >= 
#>     4049.5 ~ -0.00489206519, duration >= 33 & (numDependents < 
#>     1.5 | is.na(numDependents)) & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>     0.00636442564, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     numDependents >= 1.5 & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>     -0.00313890097, installmentCommitment >= 3.5 & numDependents >= 
#>     1.5 & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 0.0104305241, 
#>     (duration < 19 | is.na(duration)) & (housing_for.free < 0.5 | 
#>         is.na(housing_for.free)) & creditAmount >= 4049.5 ~ 0.0130731566, 
#>     creditAmount >= 3463 & (duration < 33 | is.na(duration)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ -0.00928356219, (duration < 
#>         8.5 | is.na(duration)) & (creditAmount < 3463 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 4049.5 | 
#>         is.na(creditAmount)) ~ -0.00778697571, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & duration >= 19 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & creditAmount >= 4049.5 ~ 
#>         0.00353483227, propertyMagnitude_car >= 0.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & duration >= 19 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & creditAmount >= 4049.5 ~ 
#>         0.00939168595, residenceSince >= 3.5 & job_skilled >= 
#>         0.5 & duration >= 19 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         creditAmount >= 4049.5 ~ -0.00227554003, (creditAmount < 
#>         6143.5 | is.na(creditAmount)) & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & job_skilled >= 0.5 & duration >= 
#>         19 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         creditAmount >= 4049.5 ~ 0.00696623744, creditAmount >= 
#>         6143.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         job_skilled >= 0.5 & duration >= 19 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & creditAmount >= 4049.5 ~ 
#>         -0.00143383048, creditAmount >= 1891 & housing_rent >= 
#>         0.5 & duration >= 8.5 & (creditAmount < 3463 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 4049.5 | 
#>         is.na(creditAmount)) ~ 0.00854160637, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (creditAmount < 1382.5 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 & (creditAmount < 3463 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 4049.5 | 
#>         is.na(creditAmount)) ~ 0.00824103784, job_skilled >= 
#>         0.5 & (creditAmount < 1382.5 | is.na(creditAmount)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 & (creditAmount < 3463 | is.na(creditAmount)) & (duration < 
#>         33 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (creditAmount < 4049.5 | is.na(creditAmount)) ~ -0.00137941272, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & creditAmount >= 
#>         1382.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 & (creditAmount < 3463 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 4049.5 | 
#>         is.na(creditAmount)) ~ -0.00855886843, job_skilled >= 
#>         0.5 & creditAmount >= 1382.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & duration >= 8.5 & (creditAmount < 
#>         3463 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ -0.00257511204, (age < 
#>         24.5 | is.na(age)) & (creditAmount < 1891 | is.na(creditAmount)) & 
#>         housing_rent >= 0.5 & duration >= 8.5 & (creditAmount < 
#>         3463 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ -0.00392150972, age >= 
#>         24.5 & (creditAmount < 1891 | is.na(creditAmount)) & 
#>         housing_rent >= 0.5 & duration >= 8.5 & (creditAmount < 
#>         3463 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ 0.00331112277) + case_when((creditAmount < 
#>     1280.5 | is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.00344238966, creditAmount >= 1280.5 & (job_skilled < 0.5 | 
#>     is.na(job_skilled)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.00989731867, checkingStatus_no.checking >= 0.5 & (housing_own < 
#>     0.5 | is.na(housing_own)) & installmentCommitment >= 2.5 ~ 
#>     0.000719883072, creditHistory_delayed.previously >= 0.5 & 
#>     housing_own >= 0.5 & installmentCommitment >= 2.5 ~ 0.00442963, 
#>     checkingStatus_X0..X.200 >= 0.5 & (creditAmount < 4092.5 | 
#>         is.na(creditAmount)) & job_skilled >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) ~ 0.00237105926, 
#>     (age < 31.5 | is.na(age)) & creditAmount >= 4092.5 & job_skilled >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>         0.00123990816, age >= 31.5 & creditAmount >= 4092.5 & 
#>         job_skilled >= 0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>         0.00724278949, propertyMagnitude_life.insurance >= 0.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & installmentCommitment >= 
#>         2.5 ~ 0.00113299221, (creditAmount < 2492 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 4092.5 | is.na(creditAmount)) & job_skilled >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>         -0.00362571818, creditAmount >= 2492 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         4092.5 | is.na(creditAmount)) & job_skilled >= 0.5 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>         -0.00967843644, (age < 35.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & installmentCommitment >= 
#>         2.5 ~ 0.0106241759, age >= 35.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & installmentCommitment >= 
#>         2.5 ~ 0.0014842198, (creditAmount < 2186.5 | is.na(creditAmount)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 ~ 0.00560601894, 
#>     creditAmount >= 2186.5 & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & housing_own >= 
#>         0.5 & installmentCommitment >= 2.5 ~ -0.00658172602, 
#>     (creditAmount < 804 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 ~ 0.00129169656, 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 804 & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 ~ -0.0099706836, 
#>     employment_X1..X.4 >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & creditAmount >= 804 & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 ~ -0.00144220865, 
#>     age >= 35.5 & savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>         804 & otherPaymentPlans_none >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & housing_own >= 
#>         0.5 & installmentCommitment >= 2.5 ~ 0.00139888178, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (age < 35.5 | is.na(age)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 804 & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 ~ 0.000915795332, 
#>     ownTelephone_none >= 0.5 & (age < 35.5 | is.na(age)) & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 804 & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 ~ -0.00818304997) + 
#>     case_when((age < 25.5 | is.na(age)) & employment_X4..X.7 >= 
#>         0.5 ~ 0.00099010719, checkingStatus_X0..X.200 >= 0.5 & 
#>         age >= 25.5 & employment_X4..X.7 >= 0.5 ~ -0.00278218579, 
#>         otherPaymentPlans_bank >= 0.5 & (existingCredits < 1.5 | 
#>             is.na(existingCredits)) & residenceSince >= 3.5 & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             -0.00518470537, propertyMagnitude_car >= 0.5 & existingCredits >= 
#>             1.5 & residenceSince >= 3.5 & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) ~ 0.000379028381, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             age >= 25.5 & employment_X4..X.7 >= 0.5 ~ -0.00370858982, 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & age >= 25.5 & 
#>             employment_X4..X.7 >= 0.5 ~ -0.0102075487, (creditAmount < 
#>             4176 | is.na(creditAmount)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) ~ -0.00327787548, 
#>         creditAmount >= 4176 & (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) ~ 0.00367553975, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & installmentCommitment >= 
#>             2.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             0.0107871275, job_skilled >= 0.5 & installmentCommitment >= 
#>             2.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             0.00386569463, (age < 34 | is.na(age)) & purpose_new.car >= 
#>             0.5 & ownTelephone_none >= 0.5 & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) ~ 0.00599570433, 
#>         age >= 34 & purpose_new.car >= 0.5 & ownTelephone_none >= 
#>             0.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             0.0013565626, (creditAmount < 4637.5 | is.na(creditAmount)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             existingCredits >= 1.5 & residenceSince >= 3.5 & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             -0.00927032251, creditAmount >= 4637.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & existingCredits >= 
#>             1.5 & residenceSince >= 3.5 & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) ~ -0.000907796959, 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 31.5 | is.na(age)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & ownTelephone_none >= 0.5 & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             -0.00688784337, personalStatus_female.div.dep.mar >= 
#>             0.5 & (age < 31.5 | is.na(age)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & ownTelephone_none >= 
#>             0.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             -0.000209605612, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             age >= 31.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             ownTelephone_none >= 0.5 & (residenceSince < 3.5 | 
#>             is.na(residenceSince)) & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) ~ 0.0040148641, propertyMagnitude_life.insurance >= 
#>             0.5 & age >= 31.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             ownTelephone_none >= 0.5 & (residenceSince < 3.5 | 
#>             is.na(residenceSince)) & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) ~ -0.00268216385, (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (age < 35.5 | 
#>             is.na(age)) & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             residenceSince >= 3.5 & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) ~ 0.00691058161, checkingStatus_X.0 >= 
#>             0.5 & (age < 35.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & residenceSince >= 
#>             3.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>             0.00187357923, checkingStatus_X.0 >= 0.5 & age >= 
#>             35.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             residenceSince >= 3.5 & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) ~ 0.00311670941, (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             age >= 35.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             residenceSince >= 3.5 & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) ~ -0.00396506768, propertyMagnitude_no.known.property >= 
#>             0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             age >= 35.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             residenceSince >= 3.5 & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) ~ -0.000573603902) + case_when(otherParties_guarantor >= 
#>     0.5 ~ -0.00675668893, creditAmount >= 3885.5 & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00916395802, (age < 
#>     35.5 | is.na(age)) & employment_X..7 >= 0.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00288961641, age >= 
#>     35.5 & employment_X..7 >= 0.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00358387432, propertyMagnitude_no.known.property >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     personalStatus_male.single >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.0013709435, creditHistory_critical.other.existing.credit >= 
#>     0.5 & (creditAmount < 3885.5 | is.na(creditAmount)) & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00551370531, (creditAmount < 
#>     4501.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     -0.00985782035, creditAmount >= 4501.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     -0.00221026223, (creditAmount < 952.5 | is.na(creditAmount)) & 
#>     (creditAmount < 2166 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>     0.5 & personalStatus_male.single >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00193927123, purpose_used.car >= 
#>     0.5 & creditAmount >= 2166 & savingsStatus_X.100 >= 0.5 & 
#>     personalStatus_male.single >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00542163616, creditAmount >= 
#>     2345.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (creditAmount < 3885.5 | is.na(creditAmount)) & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00441482337, (age < 
#>     37.5 | is.na(age)) & creditAmount >= 952.5 & (creditAmount < 
#>     2166 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     personalStatus_male.single >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00167360099, age >= 
#>     37.5 & creditAmount >= 952.5 & (creditAmount < 2166 | is.na(creditAmount)) & 
#>     savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     -0.00875809789, purpose_radio.tv >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & creditAmount >= 2166 & savingsStatus_X.100 >= 
#>     0.5 & personalStatus_male.single >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00563998194, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 2345.5 | 
#>     is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (creditAmount < 3885.5 | is.na(creditAmount)) & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00181105698, numDependents >= 
#>     1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>     2166 & savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00314613665, (age < 28.5 | is.na(age)) & savingsStatus_X.100 >= 
#>     0.5 & (creditAmount < 2345.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (creditAmount < 3885.5 | is.na(creditAmount)) & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00950531196, age >= 
#>     28.5 & savingsStatus_X.100 >= 0.5 & (creditAmount < 2345.5 | 
#>     is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (creditAmount < 3885.5 | is.na(creditAmount)) & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00274281297, (creditAmount < 
#>     5400 | is.na(creditAmount)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & creditAmount >= 2166 & savingsStatus_X.100 >= 
#>     0.5 & personalStatus_male.single >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.0125938207, creditAmount >= 
#>     5400 & (numDependents < 1.5 | is.na(numDependents)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & creditAmount >= 2166 & savingsStatus_X.100 >= 
#>     0.5 & personalStatus_male.single >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00268742163) + case_when(otherParties_guarantor >= 
#>     0.5 ~ -0.00950091891, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     employment_X4..X.7 >= 0.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ -0.0073590558, checkingStatus_X.0 >= 
#>     0.5 & employment_X4..X.7 >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.000603223103, (creditAmount < 
#>     1881.5 | is.na(creditAmount)) & housing_rent >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00231640437, creditAmount >= 
#>     1881.5 & housing_rent >= 0.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ 0.00932985265, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00558428932, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ -0.00516482303, creditHistory_critical.other.existing.credit >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ -0.00852411985, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & checkingStatus_no.checking >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.0122818835, residenceSince >= 
#>     2.5 & checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ 0.00190606085, propertyMagnitude_real.estate >= 
#>     0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     residenceSince >= 1.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00284942193, (duration < 
#>     25.5 | is.na(duration)) & propertyMagnitude_car >= 0.5 & 
#>     residenceSince >= 1.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00126359565, duration >= 
#>     25.5 & propertyMagnitude_car >= 0.5 & residenceSince >= 1.5 & 
#>     checkingStatus_X0..X.200 >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.0049425005, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ -0.00617676601, employment_X.1 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ 0.00327504217, (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & checkingStatus_X.0 >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00487871142, job_unskilled.resident >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     otherPaymentPlans_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) ~ -0.0038862878, (age < 37.5 | 
#>     is.na(age)) & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     residenceSince >= 1.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.0117989434, age >= 
#>     37.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     residenceSince >= 1.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00289892987) + case_when((age < 
#>     31 | is.na(age)) & (duration < 17 | is.na(duration)) & (housing_own < 
#>     0.5 | is.na(housing_own)) ~ -0.00508944364, purpose_used.car >= 
#>     0.5 & duration >= 17 & (housing_own < 0.5 | is.na(housing_own)) ~ 
#>     -0.000997116207, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     age >= 31 & (duration < 17 | is.na(duration)) & (housing_own < 
#>     0.5 | is.na(housing_own)) ~ -0.00359714264, employment_X..7 >= 
#>     0.5 & age >= 31 & (duration < 17 | is.na(duration)) & (housing_own < 
#>     0.5 | is.na(housing_own)) ~ 0.00776130194, (housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & duration >= 17 & (housing_own < 
#>     0.5 | is.na(housing_own)) ~ 0.00894844532, housing_for.free >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     duration >= 17 & (housing_own < 0.5 | is.na(housing_own)) ~ 
#>     0.00179245067, (creditAmount < 2390.5 | is.na(creditAmount)) & 
#>     savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & housing_own >= 0.5 ~ 
#>     0.00389167923, creditAmount >= 2390.5 & savingsStatus_X100..X.500 >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     housing_own >= 0.5 ~ -0.00260564731, creditAmount >= 2445.5 & 
#>     purpose_new.car >= 0.5 & savingsStatus_X.100 >= 0.5 & housing_own >= 
#>     0.5 ~ 0.00892853644, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     housing_own >= 0.5 ~ -0.00826756656, residenceSince >= 2.5 & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     housing_own >= 0.5 ~ -0.0033394515, (residenceSince < 2.5 | 
#>     is.na(residenceSince)) & creditHistory_existing.paid >= 0.5 & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     housing_own >= 0.5 ~ -0.000792903709, residenceSince >= 2.5 & 
#>     creditHistory_existing.paid >= 0.5 & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & housing_own >= 0.5 ~ 
#>     -0.00571396109, duration >= 33 & creditAmount >= 2303.5 & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>     0.5 & housing_own >= 0.5 ~ 0.00150877924, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditAmount < 
#>     2445.5 | is.na(creditAmount)) & purpose_new.car >= 0.5 & 
#>     savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 ~ -0.005523548, 
#>     creditHistory_existing.paid >= 0.5 & (creditAmount < 2445.5 | 
#>         is.na(creditAmount)) & purpose_new.car >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & housing_own >= 0.5 ~ 0.00387143297, (age < 30.5 | 
#>         is.na(age)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (creditAmount < 2303.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>         0.5 & housing_own >= 0.5 ~ 0.000615136407, age >= 30.5 & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (creditAmount < 
#>         2303.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & savingsStatus_X.100 >= 0.5 & 
#>         housing_own >= 0.5 ~ -0.00377348205, (creditAmount < 
#>         1632.5 | is.na(creditAmount)) & job_skilled >= 0.5 & 
#>         (creditAmount < 2303.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>         0.5 & housing_own >= 0.5 ~ 0.000565619266, creditAmount >= 
#>         1632.5 & job_skilled >= 0.5 & (creditAmount < 2303.5 | 
#>         is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 ~ 0.0103969937, 
#>     (creditAmount < 4038.5 | is.na(creditAmount)) & (duration < 
#>         33 | is.na(duration)) & creditAmount >= 2303.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>         0.5 & housing_own >= 0.5 ~ -0.00875939429, creditAmount >= 
#>         4038.5 & (duration < 33 | is.na(duration)) & creditAmount >= 
#>         2303.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 ~ -0.00198433106) + 
#>     case_when(savingsStatus_X..1000 >= 0.5 ~ -0.00833459385, 
#>         purpose_used.car >= 0.5 & (creditHistory_all.paid < 0.5 | 
#>             is.na(creditHistory_all.paid)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ -0.0100440299, 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             creditHistory_all.paid >= 0.5 & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ 0.00653665233, 
#>         otherPaymentPlans_bank >= 0.5 & creditHistory_all.paid >= 
#>             0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>             0.00250905566, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             age >= 50.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>             -0.00780906249, existingCredits >= 1.5 & age >= 50.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>             0.000194179651, checkingStatus_X..200 >= 0.5 & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (age < 50.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ -0.00321762078, 
#>         checkingStatus_no.checking >= 0.5 & creditHistory_delayed.previously >= 
#>             0.5 & (age < 50.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ 0.00177368696, 
#>         purpose_education >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>             is.na(checkingStatus_X..200)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (age < 50.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ 0.00961369276, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             creditHistory_delayed.previously >= 0.5 & (age < 
#>             50.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>             -0.0104026133, savingsStatus_X.100 >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & creditHistory_delayed.previously >= 
#>             0.5 & (age < 50.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ -0.0021558851, 
#>         (creditAmount < 7788 | is.na(creditAmount)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (age < 50.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ 0.000891960401, 
#>         creditAmount >= 7788 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>             (age < 50.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) ~ 0.0101492843) + 
#>     case_when(purpose_education >= 0.5 & (creditAmount < 3801 | 
#>         is.na(creditAmount)) ~ 0.00789346825, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & creditAmount >= 3801 ~ 
#>         -0.00454932963, creditHistory_delayed.previously >= 0.5 & 
#>         residenceSince >= 1.5 & creditAmount >= 3801 ~ -0.00173403812, 
#>         (creditAmount < 984.5 | is.na(creditAmount)) & (duration < 
#>             11.5 | is.na(duration)) & (purpose_education < 0.5 | 
#>             is.na(purpose_education)) & (creditAmount < 3801 | 
#>             is.na(creditAmount)) ~ -0.000975565694, creditAmount >= 
#>             984.5 & (duration < 11.5 | is.na(duration)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditAmount < 
#>             3801 | is.na(creditAmount)) ~ -0.00900667254, creditAmount >= 
#>             3390 & duration >= 11.5 & (purpose_education < 0.5 | 
#>             is.na(purpose_education)) & (creditAmount < 3801 | 
#>             is.na(creditAmount)) ~ -0.00799664296, (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             residenceSince >= 1.5 & creditAmount >= 3801 ~ 0.0115609393, 
#>         purpose_used.car >= 0.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             residenceSince >= 1.5 & creditAmount >= 3801 ~ 0.00110645301, 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             savingsStatus_no.known.savings >= 0.5 & (creditHistory_delayed.previously < 
#>             0.5 | is.na(creditHistory_delayed.previously)) & 
#>             residenceSince >= 1.5 & creditAmount >= 3801 ~ -0.00576176401, 
#>         checkingStatus_no.checking >= 0.5 & savingsStatus_no.known.savings >= 
#>             0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>             residenceSince >= 1.5 & creditAmount >= 3801 ~ 0.000501825241, 
#>         ownTelephone_yes >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 & (creditAmount < 3390 | is.na(creditAmount)) & 
#>             duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ -0.00842025876, 
#>         purpose_new.car >= 0.5 & personalStatus_female.div.dep.mar >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 3390 | is.na(creditAmount)) & duration >= 
#>             11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ 0.00895703305, 
#>         (creditAmount < 1788 | is.na(creditAmount)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & checkingStatus_no.checking >= 
#>             0.5 & (creditAmount < 3390 | is.na(creditAmount)) & 
#>             duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ -0.00406109495, 
#>         creditAmount >= 1788 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             checkingStatus_no.checking >= 0.5 & (creditAmount < 
#>             3390 | is.na(creditAmount)) & duration >= 11.5 & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ 0.00242814957, 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 3390 | is.na(creditAmount)) & duration >= 
#>             11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ 0.00723202806, 
#>         propertyMagnitude_real.estate >= 0.5 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 3390 | is.na(creditAmount)) & duration >= 
#>             11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ -0.00170185626, 
#>         (housing_own < 0.5 | is.na(housing_own)) & ownTelephone_yes >= 
#>             0.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>             is.na(personalStatus_female.div.dep.mar)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             3390 | is.na(creditAmount)) & duration >= 11.5 & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ 0.00324735907, 
#>         housing_own >= 0.5 & ownTelephone_yes >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 3390 | is.na(creditAmount)) & duration >= 
#>             11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ -0.00173586258, 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>             3390 | is.na(creditAmount)) & duration >= 11.5 & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ 0.00111901329, 
#>         installmentCommitment >= 3.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditAmount < 3390 | is.na(creditAmount)) & duration >= 
#>             11.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditAmount < 3801 | is.na(creditAmount)) ~ -0.00896382239) + 
#>     case_when(checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 ~ -0.0035277633, employment_X..7 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00837039016, 
#>         age >= 41.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             otherPaymentPlans_bank >= 0.5 ~ -0.000130636719, 
#>         (age < 60.5 | is.na(age)) & age >= 52.5 & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             0.00493636588, age >= 60.5 & age >= 52.5 & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             -0.000535201689, (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & (age < 41.5 | 
#>             is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             otherPaymentPlans_bank >= 0.5 ~ 0.00151525764, checkingStatus_no.checking >= 
#>             0.5 & (age < 41.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_bank >= 
#>             0.5 ~ 0.012006063, propertyMagnitude_car >= 0.5 & 
#>             (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             0.00325699826, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & (age < 
#>             52.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             -0.00242139399, employment_X..7 >= 0.5 & (housing_own < 
#>             0.5 | is.na(housing_own)) & (age < 52.5 | is.na(age)) & 
#>             personalStatus_male.single >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.00247018132, 
#>         (creditAmount < 1508.5 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00244878163, 
#>         creditAmount >= 1508.5 & (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00827312749, 
#>         (creditAmount < 1285 | is.na(creditAmount)) & (duration < 
#>             16.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>             0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             -0.00326847658, creditAmount >= 1285 & (duration < 
#>             16.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>             0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             0.00420050323, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             duration >= 16.5 & savingsStatus_X.100 >= 0.5 & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.000936572673, 
#>         installmentCommitment >= 2.5 & duration >= 16.5 & savingsStatus_X.100 >= 
#>             0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             0.0101643261, (creditAmount < 1371.5 | is.na(creditAmount)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             housing_own >= 0.5 & (age < 52.5 | is.na(age)) & 
#>             personalStatus_male.single >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ -0.00189227902, 
#>         creditAmount >= 1371.5 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & housing_own >= 
#>             0.5 & (age < 52.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             -0.0089321956, (creditAmount < 2473.5 | is.na(creditAmount)) & 
#>             checkingStatus_X0..X.200 >= 0.5 & housing_own >= 
#>             0.5 & (age < 52.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) ~ 
#>             -0.00596738094, creditAmount >= 2473.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & housing_own >= 0.5 & (age < 52.5 | is.na(age)) & 
#>             personalStatus_male.single >= 0.5 & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) ~ 0.0025534241) + 
#>     case_when(job_skilled >= 0.5 & (duration < 11.5 | is.na(duration)) ~ 
#>         -0.00871839188, (creditAmount < 1304 | is.na(creditAmount)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (duration < 
#>         11.5 | is.na(duration)) ~ -0.00617976394, creditAmount >= 
#>         1304 & (job_skilled < 0.5 | is.na(job_skilled)) & (duration < 
#>         11.5 | is.na(duration)) ~ 0.00283489283, (creditAmount < 
#>         7284 | is.na(creditAmount)) & purpose_used.car >= 0.5 & 
#>         duration >= 11.5 ~ -0.00978436414, creditAmount >= 7284 & 
#>         purpose_used.car >= 0.5 & duration >= 11.5 ~ 0.00101370574, 
#>         purpose_radio.tv >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 11.5 ~ -0.0073113679, (age < 28.5 | is.na(age)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             -0.00487953937, purpose_business >= 0.5 & job_skilled >= 
#>             0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 11.5 ~ -0.00424219202, (savingsStatus_X100..X.500 < 
#>             0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & propertyMagnitude_car >= 
#>             0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 11.5 ~ -0.00758066773, savingsStatus_X100..X.500 >= 
#>             0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             propertyMagnitude_car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             0.00259802327, purpose_new.car >= 0.5 & savingsStatus_X.100 >= 
#>             0.5 & propertyMagnitude_car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             0.00888867676, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (duration < 22.5 | is.na(duration)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 11.5 ~ 0.0086561041, (purpose_business < 
#>             0.5 | is.na(purpose_business)) & duration >= 22.5 & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             -0.00649281405, purpose_business >= 0.5 & duration >= 
#>             22.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             -0.000900189625, creditAmount >= 2956.5 & age >= 
#>             28.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 11.5 ~ 0.000155746762, (creditAmount < 
#>             1162 | is.na(creditAmount)) & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & job_skilled >= 0.5 & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 11.5 ~ 0.00164825807, (creditAmount < 
#>             3484 | is.na(creditAmount)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>             0.5 & propertyMagnitude_car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             -0.00367970928, creditAmount >= 3484 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & savingsStatus_X.100 >= 
#>             0.5 & propertyMagnitude_car >= 0.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             0.00413093437, (creditAmount < 1532.5 | is.na(creditAmount)) & 
#>             otherPaymentPlans_none >= 0.5 & (duration < 22.5 | 
#>             is.na(duration)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             checkingStatus_no.checking >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             -0.00508223567, creditAmount >= 1532.5 & otherPaymentPlans_none >= 
#>             0.5 & (duration < 22.5 | is.na(duration)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & checkingStatus_no.checking >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 11.5 ~ 0.00690557994, (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (creditAmount < 
#>             2956.5 | is.na(creditAmount)) & age >= 28.5 & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             0.0079178419, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>             2956.5 | is.na(creditAmount)) & age >= 28.5 & (job_skilled < 
#>             0.5 | is.na(job_skilled)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             0.00192822854, (duration < 33 | is.na(duration)) & 
#>             creditAmount >= 1162 & (purpose_business < 0.5 | 
#>             is.na(purpose_business)) & job_skilled >= 0.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             0.0130202584, duration >= 33 & creditAmount >= 1162 & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             job_skilled >= 0.5 & (propertyMagnitude_car < 0.5 | 
#>             is.na(propertyMagnitude_car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 11.5 ~ 
#>             0.00409434643) + case_when((installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & propertyMagnitude_no.known.property >= 
#>     0.5 ~ -0.00288401381, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>     purpose_new.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00666782027, 
#>     age >= 41 & installmentCommitment >= 2.5 & propertyMagnitude_no.known.property >= 
#>         0.5 ~ 0.000208807382, (age < 23.5 | is.na(age)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00264966395, (age < 29.5 | is.na(age)) & installmentCommitment >= 
#>         1.5 & purpose_new.car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.0087885987, 
#>     (creditAmount < 4993 | is.na(creditAmount)) & (age < 41 | 
#>         is.na(age)) & installmentCommitment >= 2.5 & propertyMagnitude_no.known.property >= 
#>         0.5 ~ 0.00981849898, creditAmount >= 4993 & (age < 41 | 
#>         is.na(age)) & installmentCommitment >= 2.5 & propertyMagnitude_no.known.property >= 
#>         0.5 ~ 0.00155804842, (age < 28 | is.na(age)) & (creditAmount < 
#>         1380 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00420687115, 
#>     age >= 28 & (creditAmount < 1380 | is.na(creditAmount)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00079605676, 
#>     personalStatus_male.single >= 0.5 & creditAmount >= 1380 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.0113900043, 
#>     numDependents >= 1.5 & age >= 23.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00280002085, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         age >= 29.5 & installmentCommitment >= 1.5 & purpose_new.car >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00432799337, creditHistory_critical.other.existing.credit >= 
#>         0.5 & age >= 29.5 & installmentCommitment >= 1.5 & purpose_new.car >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00173681742, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditAmount >= 1380 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00622898387, 
#>     checkingStatus_no.checking >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         1380 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.0021654896, 
#>     age >= 50 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         age >= 23.5 & savingsStatus_X.100 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00368108507, 
#>     (creditAmount < 1871 | is.na(creditAmount)) & (age < 50 | 
#>         is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         age >= 23.5 & savingsStatus_X.100 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00968611427, 
#>     (age < 26.5 | is.na(age)) & creditAmount >= 1871 & (age < 
#>         50 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         age >= 23.5 & savingsStatus_X.100 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.0030960911, 
#>     age >= 26.5 & creditAmount >= 1871 & (age < 50 | is.na(age)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & age >= 
#>         23.5 & savingsStatus_X.100 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00358826248) + 
#>     case_when((creditAmount < 1038.5 | is.na(creditAmount)) & 
#>         purpose_radio.tv >= 0.5 ~ 0.00187140936, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & creditAmount >= 
#>         7480.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00380299054, installmentCommitment >= 3.5 & creditAmount >= 
#>         7480.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00884796586, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 1038.5 & purpose_radio.tv >= 0.5 ~ -0.00865655672, 
#>         checkingStatus_X.0 >= 0.5 & creditAmount >= 1038.5 & 
#>             purpose_radio.tv >= 0.5 ~ 0.000936381635, (age < 
#>             22.5 | is.na(age)) & installmentCommitment >= 2.5 & 
#>             (creditAmount < 7480.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) ~ -0.00744089158, 
#>         propertyMagnitude_life.insurance >= 0.5 & (age < 34.5 | 
#>             is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditAmount < 7480.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) ~ 0.00594935939, (creditAmount < 
#>             3434.5 | is.na(creditAmount)) & age >= 34.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>             7480.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) ~ -0.00294468668, 
#>         creditAmount >= 3434.5 & age >= 34.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>             7480.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) ~ -0.00792108476, 
#>         (duration < 11.5 | is.na(duration)) & age >= 22.5 & installmentCommitment >= 
#>             2.5 & (creditAmount < 7480.5 | is.na(creditAmount)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>             -0.00741998106, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 34.5 | is.na(age)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>             7480.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) ~ -0.00742761651, 
#>         employment_X1..X.4 >= 0.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (age < 34.5 | is.na(age)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>             7480.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) ~ -0.00111127261, 
#>         (age < 34.5 | is.na(age)) & (duration < 13 | is.na(duration)) & 
#>             duration >= 11.5 & age >= 22.5 & installmentCommitment >= 
#>             2.5 & (creditAmount < 7480.5 | is.na(creditAmount)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>             0.0006190188, age >= 34.5 & (duration < 13 | is.na(duration)) & 
#>             duration >= 11.5 & age >= 22.5 & installmentCommitment >= 
#>             2.5 & (creditAmount < 7480.5 | is.na(creditAmount)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>             0.00942394417, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             duration >= 13 & duration >= 11.5 & age >= 22.5 & 
#>             installmentCommitment >= 2.5 & (creditAmount < 7480.5 | 
#>             is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) ~ -0.00221258588, residenceSince >= 
#>             1.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             duration >= 13 & duration >= 11.5 & age >= 22.5 & 
#>             installmentCommitment >= 2.5 & (creditAmount < 7480.5 | 
#>             is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) ~ 0.00517737772, (housing_own < 
#>             0.5 | is.na(housing_own)) & existingCredits >= 1.5 & 
#>             duration >= 13 & duration >= 11.5 & age >= 22.5 & 
#>             installmentCommitment >= 2.5 & (creditAmount < 7480.5 | 
#>             is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) ~ 0.00273712771, housing_own >= 
#>             0.5 & existingCredits >= 1.5 & duration >= 13 & duration >= 
#>             11.5 & age >= 22.5 & installmentCommitment >= 2.5 & 
#>             (creditAmount < 7480.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) ~ -0.00843336526) + 
#>     case_when((duration < 22.5 | is.na(duration)) & personalStatus_male.div.sep >= 
#>         0.5 ~ 0.00122131663, duration >= 22.5 & personalStatus_male.div.sep >= 
#>         0.5 ~ 0.00798206031, employment_unemployed >= 0.5 & (creditAmount < 
#>         2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) ~ 0.00458741793, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             savingsStatus_no.known.savings >= 0.5 & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             0.00155355083, purpose_new.car >= 0.5 & (age < 28.5 | 
#>             is.na(age)) & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             (creditAmount < 2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ 0.000482511212, 
#>         employment_X.1 >= 0.5 & age >= 28.5 & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>             2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ 0.00538850157, 
#>         duration >= 25.5 & (age < 26.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             0.0110622011, (age < 36.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & savingsStatus_no.known.savings >= 0.5 & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             -1.79199633e-05, age >= 36.5 & personalStatus_male.single >= 
#>             0.5 & savingsStatus_no.known.savings >= 0.5 & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             -0.00925765932, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (age < 28.5 | is.na(age)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>             2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ -0.0098924553, 
#>         employment_X.1 >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (age < 28.5 | is.na(age)) & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>             2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ -0.0042412621, 
#>         (creditAmount < 3324 | is.na(creditAmount)) & (duration < 
#>             25.5 | is.na(duration)) & (age < 26.5 | is.na(age)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             creditAmount >= 2030.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ 0.00481723063, 
#>         creditAmount >= 3324 & (duration < 25.5 | is.na(duration)) & 
#>             (age < 26.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             -0.00434489781, creditHistory_critical.other.existing.credit >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             age >= 26.5 & (savingsStatus_no.known.savings < 0.5 | 
#>             is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             -0.00588365365, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             purpose_new.car >= 0.5 & age >= 26.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             0.00132527691, existingCredits >= 1.5 & purpose_new.car >= 
#>             0.5 & age >= 26.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             0.00874274131, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & age >= 28.5 & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>             2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ -0.00189745799, 
#>         personalStatus_male.single >= 0.5 & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & age >= 28.5 & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>             2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ 0.00215893122, 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             existingCredits >= 1.5 & (employment_X.1 < 0.5 | 
#>             is.na(employment_X.1)) & age >= 28.5 & (employment_unemployed < 
#>             0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>             2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ -0.00865374226, 
#>         checkingStatus_no.checking >= 0.5 & existingCredits >= 
#>             1.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             age >= 28.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>             (creditAmount < 2030.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) ~ -0.00319477427, 
#>         (age < 40 | is.na(age)) & (duration < 28.5 | is.na(duration)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             age >= 26.5 & (savingsStatus_no.known.savings < 0.5 | 
#>             is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             0.00598317198, age >= 40 & (duration < 28.5 | is.na(duration)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             age >= 26.5 & (savingsStatus_no.known.savings < 0.5 | 
#>             is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             -0.00205071759, (age < 32.5 | is.na(age)) & duration >= 
#>             28.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             age >= 26.5 & (savingsStatus_no.known.savings < 0.5 | 
#>             is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             -0.00317254197, age >= 32.5 & duration >= 28.5 & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             age >= 26.5 & (savingsStatus_no.known.savings < 0.5 | 
#>             is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             2030.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>             0.000433591544) + case_when(numDependents >= 1.5 & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ 0.000163983292, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         purpose_used.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00342360907, personalStatus_male.single >= 0.5 & purpose_used.car >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00925151352, (creditAmount < 1911 | is.na(creditAmount)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00941893179, propertyMagnitude_real.estate >= 
#>         0.5 & purpose_new.car >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00167621719, (creditAmount < 2825.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1911 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00536734052, (age < 29.5 | is.na(age)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & purpose_new.car >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0103022046, (age < 30.5 | is.na(age)) & creditAmount >= 
#>         2825.5 & creditAmount >= 1911 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00016243718, age >= 30.5 & creditAmount >= 2825.5 & 
#>         creditAmount >= 1911 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00960278697, (duration < 12.5 | is.na(duration)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00268474477, duration >= 12.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00766740553, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         installmentCommitment >= 3.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00509541668, job_skilled >= 0.5 & installmentCommitment >= 
#>         3.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00544224028, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 4038.5 & savingsStatus_X.100 >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00866803154, purpose_radio.tv >= 0.5 & creditAmount >= 
#>         4038.5 & savingsStatus_X.100 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00121574523, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         age >= 29.5 & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & purpose_new.car >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00581419095, job_skilled >= 0.5 & age >= 29.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & purpose_new.car >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000422766287, (duration < 16.5 | is.na(duration)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 4038.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00755971996, (creditAmount < 2878 | is.na(creditAmount)) & 
#>         duration >= 16.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 4038.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00769924885, creditAmount >= 2878 & duration >= 16.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 4038.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00701997662, (age < 23.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & installmentCommitment >= 
#>         3.5 & (creditAmount < 4038.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00374360802, age >= 23.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & installmentCommitment >= 
#>         3.5 & (creditAmount < 4038.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00372123136, (age < 30.5 | is.na(age)) & personalStatus_male.single >= 
#>         0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>         4038.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00207291334, age >= 30.5 & personalStatus_male.single >= 
#>         0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>         4038.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.009193887) + case_when(propertyMagnitude_life.insurance >= 
#>     0.5 & purpose_new.car >= 0.5 ~ 0.00909262802, savingsStatus_X100..X.500 >= 
#>     0.5 & (creditAmount < 3914 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ 0.00476044649, personalStatus_female.div.dep.mar >= 
#>     0.5 & creditAmount >= 3914 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.010373882, employment_X4..X.7 >= 0.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>     3914 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00476003624, (duration < 15 | is.na(duration)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>     0.5 ~ -0.00902653486, duration >= 15 & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>     0.5 ~ 0.00398337934, (duration < 16.5 | is.na(duration)) & 
#>     propertyMagnitude_car >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & purpose_new.car >= 
#>     0.5 ~ 0.00120922632, duration >= 16.5 & propertyMagnitude_car >= 
#>     0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     purpose_new.car >= 0.5 ~ 0.00766164111, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & purpose_furniture.equipment >= 
#>     0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ -0.00666097319, purpose_business >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     creditAmount >= 3914 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.00525507843, age >= 41.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>     3914 | is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00766748423, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     ownTelephone_none >= 0.5 & purpose_furniture.equipment >= 
#>     0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ 0.0066946242, employment_X.1 >= 
#>     0.5 & ownTelephone_none >= 0.5 & purpose_furniture.equipment >= 
#>     0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ -0.00763620483, (age < 33.5 | 
#>     is.na(age)) & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     creditAmount >= 3914 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.0041970415, age >= 33.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     creditAmount >= 3914 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.00171027449, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (age < 41.5 | is.na(age)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>     3914 | is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.00589350285, checkingStatus_no.checking >= 0.5 & (age < 
#>     41.5 | is.na(age)) & (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>     3914 | is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00153503206, purpose_radio.tv >= 0.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_existing.paid >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ -0.0116871791, (creditAmount < 
#>     1553 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>     0.5 & creditHistory_existing.paid >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>     3914 | is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.00116993824, creditAmount >= 1553 & propertyMagnitude_real.estate >= 
#>     0.5 & creditHistory_existing.paid >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>     3914 | is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.00366970687, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_existing.paid >= 
#>     0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (creditAmount < 3914 | is.na(creditAmount)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ -0.000497344474, ownTelephone_yes >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     creditHistory_existing.paid >= 0.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (creditAmount < 
#>     3914 | is.na(creditAmount)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     -0.0066572004) + case_when(purpose_radio.tv >= 0.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00991184078, (duration < 
#>     16.5 | is.na(duration)) & propertyMagnitude_life.insurance >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.00112062844, duration >= 16.5 & propertyMagnitude_life.insurance >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.00592717202, savingsStatus_no.known.savings >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ -0.00834369659, age >= 40.5 & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & installmentCommitment >= 
#>     2.5 ~ -0.00893507525, creditAmount >= 1391.5 & (creditAmount < 
#>     2045.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>     0.5 & installmentCommitment >= 2.5 ~ -0.00796623714, (age < 
#>     29.5 | is.na(age)) & creditAmount >= 2045.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & installmentCommitment >= 2.5 ~ 0.0112948138, age >= 
#>     29.5 & creditAmount >= 2045.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & installmentCommitment >= 2.5 ~ 0.00317491521, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>     3463 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ 0.00756537914, personalStatus_male.single >= 
#>     0.5 & (creditAmount < 3463 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00578323333, age >= 
#>     41.5 & creditAmount >= 3463 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00221148925, (age < 
#>     29.5 | is.na(age)) & (age < 40.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ -0.00268464303, age >= 29.5 & 
#>     (age < 40.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ 0.00235409732, (age < 24.5 | 
#>     is.na(age)) & (creditAmount < 1391.5 | is.na(creditAmount)) & 
#>     (creditAmount < 2045.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>     0.5 & installmentCommitment >= 2.5 ~ -0.000854917918, age >= 
#>     24.5 & (creditAmount < 1391.5 | is.na(creditAmount)) & (creditAmount < 
#>     2045.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>     0.5 & installmentCommitment >= 2.5 ~ 0.00848597288, (creditAmount < 
#>     7265 | is.na(creditAmount)) & (age < 41.5 | is.na(age)) & 
#>     creditAmount >= 3463 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.0097433906, creditAmount >= 
#>     7265 & (age < 41.5 | is.na(age)) & creditAmount >= 3463 & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00323996809, job_unskilled.resident >= 
#>     0.5 & (age < 32.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ -0.00618112786, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & age >= 32.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ 0.00733498577, propertyMagnitude_car >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (age < 32.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ -0.00109454629, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & job_skilled >= 0.5 & 
#>     age >= 32.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ -0.00122341269, propertyMagnitude_car >= 
#>     0.5 & job_skilled >= 0.5 & age >= 32.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ 0.00578632206, (duration < 
#>     27 | is.na(duration)) & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (age < 32.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ 0.00194160803, duration >= 
#>     27 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (age < 32.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     installmentCommitment >= 2.5 ~ 0.00571305072) + case_when(otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00468591321, 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00831109192, 
#>     housing_rent >= 0.5 & (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00482309144, (age < 33.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00236644596, 
#>     (age < 24.5 | is.na(age)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.0015442369, age >= 24.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00996122509, (age < 35.5 | is.na(age)) & propertyMagnitude_car >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00670292834, age >= 
#>         35.5 & propertyMagnitude_car >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00296758255, (creditAmount < 1481.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00894850772, 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & age >= 
#>         33.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.000623090367, 
#>     ownTelephone_yes >= 0.5 & age >= 33.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00649437401, 
#>     employment_X1..X.4 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00779409334, 
#>     (creditAmount < 3245 | is.na(creditAmount)) & personalStatus_male.single >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00773333292, 
#>     creditAmount >= 6023.5 & creditAmount >= 1481.5 & installmentCommitment >= 
#>         3.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0100287506, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00318489783, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00234963489, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditAmount >= 3245 & personalStatus_male.single >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0058368654, 
#>     propertyMagnitude_car >= 0.5 & creditAmount >= 3245 & personalStatus_male.single >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0068292669, 
#>     (housing_own < 0.5 | is.na(housing_own)) & (creditAmount < 
#>         6023.5 | is.na(creditAmount)) & creditAmount >= 1481.5 & 
#>         installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00344817084, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         housing_own >= 0.5 & (creditAmount < 6023.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1481.5 & installmentCommitment >= 3.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00721350824, 
#>     savingsStatus_X.100 >= 0.5 & housing_own >= 0.5 & (creditAmount < 
#>         6023.5 | is.na(creditAmount)) & creditAmount >= 1481.5 & 
#>         installmentCommitment >= 3.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         otherParties_none >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00179935724) + 
#>     case_when(purpose_business >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 ~ 0.0050540613, installmentCommitment >= 3.5 & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00976689812, 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ -0.0094181532, 
#>         (creditAmount < 2468 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ 0.00648835488, 
#>         creditAmount >= 2468 & (installmentCommitment < 3.5 | 
#>             is.na(installmentCommitment)) & (residenceSince < 
#>             1.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0095656747, 
#>         creditAmount >= 7893 & (job_unskilled.resident < 0.5 | 
#>             is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00839663018, (creditAmount < 923 | is.na(creditAmount)) & 
#>             job_unskilled.resident >= 0.5 & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00518371351, (duration < 16.5 | is.na(duration)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (purpose_business < 
#>             0.5 | is.na(purpose_business)) & checkingStatus_no.checking >= 
#>             0.5 ~ -0.00808062777, duration >= 16.5 & personalStatus_female.div.dep.mar >= 
#>             0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>             checkingStatus_no.checking >= 0.5 ~ 0.00455704471, 
#>         purpose_used.car >= 0.5 & (creditAmount < 7893 | is.na(creditAmount)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) ~ -0.0104455529, 
#>         (creditAmount < 2426.5 | is.na(creditAmount)) & creditAmount >= 
#>             923 & job_unskilled.resident >= 0.5 & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.0106923236, creditAmount >= 2426.5 & creditAmount >= 
#>             923 & job_unskilled.resident >= 0.5 & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.000463929435, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             (creditAmount < 2211.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00542347459, residenceSince >= 3.5 & (creditAmount < 
#>             2211.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000880055246, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             creditAmount >= 2211.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00050156191, residenceSince >= 2.5 & creditAmount >= 
#>             2211.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00775980577, (purpose_furniture.equipment < 0.5 | 
#>             is.na(purpose_furniture.equipment)) & (age < 28.5 | 
#>             is.na(age)) & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00367407873, purpose_furniture.equipment >= 0.5 & 
#>             (age < 28.5 | is.na(age)) & checkingStatus_X.0 >= 
#>             0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditAmount < 7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.00400191313, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             age >= 28.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             -0.000903438253, savingsStatus_X.100 >= 0.5 & age >= 
#>             28.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditAmount < 
#>             7893 | is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & residenceSince >= 
#>             1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>             0.00838193018) + case_when((age < 25.5 | is.na(age)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & employment_X.1 >= 
#>     0.5 ~ 0.00341507909, age >= 25.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>     employment_X.1 >= 0.5 ~ 0.00947690476, (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) & housing_own >= 0.5 & 
#>     employment_X.1 >= 0.5 ~ 0.00562341791, housing_for.free >= 
#>     0.5 & numDependents >= 1.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) ~ 0.00705332682, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & purpose_furniture.equipment >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00281204749, 
#>     employment_X1..X.4 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & purpose_furniture.equipment >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00969832204, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         personalStatus_male.single >= 0.5 & purpose_furniture.equipment >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00747079076, ownTelephone_none >= 0.5 & personalStatus_male.single >= 
#>         0.5 & purpose_furniture.equipment >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.000849067408, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & installmentCommitment >= 
#>         1.5 & housing_own >= 0.5 & employment_X.1 >= 0.5 ~ 0.000763309421, 
#>     checkingStatus_X0..X.200 >= 0.5 & installmentCommitment >= 
#>         1.5 & housing_own >= 0.5 & employment_X.1 >= 0.5 ~ -0.00375597808, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00519261183, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         numDependents >= 1.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.0065134191, installmentCommitment >= 
#>         3.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         numDependents >= 1.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00280031445, savingsStatus_X100..X.500 >= 
#>         0.5 & residenceSince >= 2.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00208854605, 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & job_skilled >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00747666741, ownTelephone_yes >= 
#>         0.5 & job_skilled >= 0.5 & checkingStatus_X.0 >= 0.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00179835642, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00218802458, checkingStatus_X0..X.200 >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00746339327, (creditAmount < 
#>         1463.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00208471972, creditAmount >= 
#>         1463.5 & creditHistory_existing.paid >= 0.5 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00392453978, (creditAmount < 
#>         6207 | is.na(creditAmount)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & residenceSince >= 
#>         2.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.0108332969, creditAmount >= 
#>         6207 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         residenceSince >= 2.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00115107896) + case_when((age < 
#>     41.5 | is.na(age)) & purpose_used.car >= 0.5 ~ -0.010808913, 
#>     age >= 41.5 & purpose_used.car >= 0.5 ~ -0.000410826993, 
#>     purpose_education >= 0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00767116807, propertyMagnitude_car >= 0.5 & housing_rent >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00914818607, (creditAmount < 1984.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         housing_rent >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00674908143, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00172519532, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1984.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         housing_rent >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00748196477, personalStatus_female.div.dep.mar >= 0.5 & 
#>         creditAmount >= 1984.5 & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & housing_rent >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00216099597, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00860863179, ownTelephone_none >= 
#>         0.5 & (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00273015234, purpose_business >= 
#>         0.5 & installmentCommitment >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00556579046, (creditAmount < 
#>         1279 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00366241089, creditAmount >= 
#>         1279 & otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00975881889, (creditAmount < 
#>         1949.5 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & installmentCommitment >= 
#>         1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00252232049, creditAmount >= 
#>         1949.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         installmentCommitment >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00260179839, (creditAmount < 
#>         1369 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         installmentCommitment >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00319438986, creditAmount >= 
#>         1369 & propertyMagnitude_real.estate >= 0.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & installmentCommitment >= 
#>         1.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00804217067) + case_when((creditAmount < 
#>     683.5 | is.na(creditAmount)) ~ -0.00945934746, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (duration < 14.5 | 
#>     is.na(duration)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     creditAmount >= 683.5 ~ -0.00730546517, personalStatus_male.single >= 
#>     0.5 & (duration < 14.5 | is.na(duration)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 683.5 ~ 
#>     -0.00287848711, employment_X4..X.7 >= 0.5 & duration >= 14.5 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     creditAmount >= 683.5 ~ -0.00586313894, purpose_radio.tv >= 
#>     0.5 & employment_X.1 >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>     creditAmount >= 683.5 ~ 0.00198746775, duration >= 37.5 & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     duration >= 14.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     creditAmount >= 683.5 ~ -0.0056650117, (creditAmount < 1373 | 
#>     is.na(creditAmount)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & savingsStatus_X.100 >= 
#>     0.5 & creditAmount >= 683.5 ~ 0.000864866073, (creditAmount < 
#>     3070 | is.na(creditAmount)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     employment_X.1 >= 0.5 & savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>     683.5 ~ 0.00298961904, creditAmount >= 3070 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & employment_X.1 >= 0.5 & 
#>     savingsStatus_X.100 >= 0.5 & creditAmount >= 683.5 ~ 0.00972427707, 
#>     creditAmount >= 5688 & (duration < 37.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         duration >= 14.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 683.5 ~ 0.0098757362, (creditAmount < 
#>         4092.5 | is.na(creditAmount)) & creditAmount >= 1373 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 683.5 ~ -0.0085021425, (creditAmount < 
#>         4421.5 | is.na(creditAmount)) & duration >= 33 & installmentCommitment >= 
#>         2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 683.5 ~ 
#>         0.0085572442, creditAmount >= 4421.5 & duration >= 33 & 
#>         installmentCommitment >= 2.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & savingsStatus_X.100 >= 0.5 & 
#>         creditAmount >= 683.5 ~ 0.0035175723, (housing_own < 
#>         0.5 | is.na(housing_own)) & (creditAmount < 5688 | is.na(creditAmount)) & 
#>         (duration < 37.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & duration >= 14.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 683.5 ~ 0.00252432399, (age < 37.5 | 
#>         is.na(age)) & creditAmount >= 4092.5 & creditAmount >= 
#>         1373 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 683.5 ~ 0.00060246035, age >= 37.5 & 
#>         creditAmount >= 4092.5 & creditAmount >= 1373 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 683.5 ~ -0.00422161771, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         1230.5 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         installmentCommitment >= 2.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & savingsStatus_X.100 >= 0.5 & 
#>         creditAmount >= 683.5 ~ 0.00144903676, personalStatus_male.single >= 
#>         0.5 & (creditAmount < 1230.5 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & installmentCommitment >= 
#>         2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 683.5 ~ 
#>         0.00855897088, purpose_radio.tv >= 0.5 & creditAmount >= 
#>         1230.5 & (duration < 33 | is.na(duration)) & installmentCommitment >= 
#>         2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 683.5 ~ 
#>         -0.00462188525, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         housing_own >= 0.5 & (creditAmount < 5688 | is.na(creditAmount)) & 
#>         (duration < 37.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & duration >= 14.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 683.5 ~ -0.00510931248, otherPaymentPlans_bank >= 
#>         0.5 & housing_own >= 0.5 & (creditAmount < 5688 | is.na(creditAmount)) & 
#>         (duration < 37.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & duration >= 14.5 & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 683.5 ~ 0.000160893294, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 1230.5 & (duration < 33 | is.na(duration)) & 
#>         installmentCommitment >= 2.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & savingsStatus_X.100 >= 0.5 & 
#>         creditAmount >= 683.5 ~ -0.000235843981, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditAmount >= 1230.5 & (duration < 33 | is.na(duration)) & 
#>         installmentCommitment >= 2.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & savingsStatus_X.100 >= 0.5 & 
#>         creditAmount >= 683.5 ~ 0.00346617633) + case_when((age < 
#>     36.5 | is.na(age)) & installmentCommitment >= 3.5 & creditAmount >= 
#>     3792 ~ 0.0126866316, age >= 36.5 & installmentCommitment >= 
#>     3.5 & creditAmount >= 3792 ~ 0.00414068112, otherPaymentPlans_bank >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3792 | is.na(creditAmount)) ~ -0.000926783425, 
#>     employment_X4..X.7 >= 0.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.00730635505, 
#>     (creditAmount < 1179.5 | is.na(creditAmount)) & (creditAmount < 
#>         1577.5 | is.na(creditAmount)) & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 3792 | is.na(creditAmount)) ~ -3.14541467e-05, 
#>     creditAmount >= 1179.5 & (creditAmount < 1577.5 | is.na(creditAmount)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 3792 | is.na(creditAmount)) ~ 
#>         0.00840477645, (creditAmount < 2142.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1577.5 & checkingStatus_X.0 >= 0.5 & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.0076676975, 
#>     existingCredits >= 1.5 & (creditAmount < 8567.5 | is.na(creditAmount)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3792 ~ 0.00319821201, (age < 30 | is.na(age)) & 
#>         creditAmount >= 8567.5 & (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & creditAmount >= 3792 ~ 
#>         0.00688435044, age >= 30 & creditAmount >= 8567.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & creditAmount >= 
#>         3792 ~ -0.000640937244, creditHistory_existing.paid >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.0096039921, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 3792 | 
#>         is.na(creditAmount)) ~ -0.00325171789, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & creditAmount >= 
#>         2142.5 & creditAmount >= 1577.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 3792 | is.na(creditAmount)) ~ 0.00244157016, 
#>     creditHistory_existing.paid >= 0.5 & creditAmount >= 2142.5 & 
#>         creditAmount >= 1577.5 & checkingStatus_X.0 >= 0.5 & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.00173110364, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (creditAmount < 
#>         8567.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & creditAmount >= 
#>         3792 ~ -0.00943393167, propertyMagnitude_life.insurance >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (creditAmount < 8567.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & creditAmount >= 
#>         3792 ~ -0.000868186762, (creditAmount < 1899.5 | is.na(creditAmount)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ 2.24727205e-06, 
#>     creditAmount >= 1899.5 & (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 3792 | 
#>         is.na(creditAmount)) ~ -0.00860321056, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & creditHistory_existing.paid >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 3792 | 
#>         is.na(creditAmount)) ~ 0.00772115355, (creditAmount < 
#>         1535 | is.na(creditAmount)) & installmentCommitment >= 
#>         2.5 & creditHistory_existing.paid >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 3792 | is.na(creditAmount)) ~ -0.000958782097, 
#>     creditAmount >= 1535 & installmentCommitment >= 2.5 & creditHistory_existing.paid >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 3792 | 
#>         is.na(creditAmount)) ~ 0.00316469837) + case_when(numDependents >= 
#>     1.5 & purpose_new.car >= 0.5 ~ -0.00370279187, creditAmount >= 
#>     9569 & (numDependents < 1.5 | is.na(numDependents)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ 0.00678780675, (creditAmount < 
#>     1893 | is.na(creditAmount)) & numDependents >= 1.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ 0.00944549125, creditAmount >= 
#>     3989.5 & (numDependents < 1.5 | is.na(numDependents)) & purpose_new.car >= 
#>     0.5 ~ 0.0090948781, creditHistory_all.paid >= 0.5 & (creditAmount < 
#>     9569 | is.na(creditAmount)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00388937187, 
#>     (creditAmount < 5159.5 | is.na(creditAmount)) & creditAmount >= 
#>         1893 & numDependents >= 1.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ 0.00178390206, creditAmount >= 
#>         5159.5 & creditAmount >= 1893 & numDependents >= 1.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00360759883, 
#>     (age < 22.5 | is.na(age)) & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (creditAmount < 9569 | 
#>         is.na(creditAmount)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.004080493, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 1373 | is.na(creditAmount)) & (creditAmount < 
#>         3989.5 | is.na(creditAmount)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & purpose_new.car >= 0.5 ~ 0.00149648217, 
#>     checkingStatus_X.0 >= 0.5 & (creditAmount < 1373 | is.na(creditAmount)) & 
#>         (creditAmount < 3989.5 | is.na(creditAmount)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & purpose_new.car >= 0.5 ~ 
#>         0.00904018339, (creditAmount < 2198 | is.na(creditAmount)) & 
#>         creditAmount >= 1373 & (creditAmount < 3989.5 | is.na(creditAmount)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & purpose_new.car >= 
#>         0.5 ~ -0.00638083881, creditAmount >= 2198 & creditAmount >= 
#>         1373 & (creditAmount < 3989.5 | is.na(creditAmount)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & purpose_new.car >= 
#>         0.5 ~ 0.0027138507, (housing_own < 0.5 | is.na(housing_own)) & 
#>         employment_X.1 >= 0.5 & age >= 22.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditAmount < 
#>         9569 | is.na(creditAmount)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.00300095603, (age < 36.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & age >= 22.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditAmount < 
#>         9569 | is.na(creditAmount)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.00669900514, age >= 36.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & age >= 22.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditAmount < 
#>         9569 | is.na(creditAmount)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.000789021258, (duration < 12.5 | is.na(duration)) & 
#>         checkingStatus_no.checking >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & age >= 22.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditAmount < 
#>         9569 | is.na(creditAmount)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.00131507323, duration >= 12.5 & checkingStatus_no.checking >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         age >= 22.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ -0.00980822276, (age < 29.5 | 
#>         is.na(age)) & housing_own >= 0.5 & employment_X.1 >= 
#>         0.5 & age >= 22.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ -0.00648653181, age >= 29.5 & 
#>         housing_own >= 0.5 & employment_X.1 >= 0.5 & age >= 22.5 & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ 0.00229652761) + case_when((creditAmount < 
#>     2759 | is.na(creditAmount)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     checkingStatus_no.checking >= 0.5 ~ -0.00989478454, housing_rent >= 
#>     0.5 & residenceSince >= 3.5 & checkingStatus_no.checking >= 
#>     0.5 ~ 0.0036422445, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (duration < 22.5 | is.na(duration)) & (age < 38.5 | is.na(age)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     0.00402170932, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (creditAmount < 2707 | is.na(creditAmount)) & age >= 38.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>     -0.00588997221, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     creditAmount >= 2707 & age >= 38.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) ~ 0.0116585884, 
#>     (age < 36 | is.na(age)) & creditAmount >= 2759 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00703840284, age >= 36 & creditAmount >= 2759 & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000194069624, (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & residenceSince >= 3.5 & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00593771646, installmentCommitment >= 3.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & residenceSince >= 
#>         3.5 & checkingStatus_no.checking >= 0.5 ~ 0.000349771348, 
#>     propertyMagnitude_car >= 0.5 & residenceSince >= 1.5 & (duration < 
#>         22.5 | is.na(duration)) & (age < 38.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0104880519, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         duration >= 22.5 & (age < 38.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00492164213, 
#>     checkingStatus_X.0 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & duration >= 
#>         22.5 & (age < 38.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0109176319, 
#>     (creditAmount < 1279.5 | is.na(creditAmount)) & personalStatus_male.single >= 
#>         0.5 & (creditAmount < 2707 | is.na(creditAmount)) & age >= 
#>         38.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00501215504, creditAmount >= 1279.5 & personalStatus_male.single >= 
#>         0.5 & (creditAmount < 2707 | is.na(creditAmount)) & age >= 
#>         38.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.0020495716, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>         2707 & age >= 38.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) ~ -0.000637854566, 
#>     installmentCommitment >= 2.5 & creditHistory_existing.paid >= 
#>         0.5 & creditAmount >= 2707 & age >= 38.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00729541527, 
#>     job_unskilled.resident >= 0.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & residenceSince >= 
#>         1.5 & (duration < 22.5 | is.na(duration)) & (age < 38.5 | 
#>         is.na(age)) & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00994368177, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         personalStatus_male.single >= 0.5 & duration >= 22.5 & 
#>         (age < 38.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000123709513, 
#>     ownTelephone_yes >= 0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         personalStatus_male.single >= 0.5 & duration >= 22.5 & 
#>         (age < 38.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0101382323, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & duration >= 22.5 & (age < 38.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00727356132, creditHistory_existing.paid >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & personalStatus_male.single >= 0.5 & duration >= 
#>         22.5 & (age < 38.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00083473674, 
#>     checkingStatus_X0..X.200 >= 0.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & residenceSince >= 
#>         1.5 & (duration < 22.5 | is.na(duration)) & (age < 38.5 | 
#>         is.na(age)) & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0030975549, (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         residenceSince >= 1.5 & (duration < 22.5 | is.na(duration)) & 
#>         (age < 38.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.000641964201, 
#>     housing_rent >= 0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         residenceSince >= 1.5 & (duration < 22.5 | is.na(duration)) & 
#>         (age < 38.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00410453556) + 
#>     case_when((creditAmount < 683.5 | is.na(creditAmount)) ~ 
#>         -0.00787176564, purpose_new.car >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 & creditAmount >= 683.5 ~ 0.00799020473, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>         0.5 & creditAmount >= 683.5 ~ -0.00275634252, installmentCommitment >= 
#>         2.5 & creditAmount >= 2618.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         683.5 ~ 0.00989229698, (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & personalStatus_male.single >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.0054490082, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & ownTelephone_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         otherPaymentPlans_bank >= 0.5 & creditAmount >= 683.5 ~ 
#>         0.00492721936, savingsStatus_X.100 >= 0.5 & ownTelephone_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         otherPaymentPlans_bank >= 0.5 & creditAmount >= 683.5 ~ 
#>         0.000154218171, (duration < 16.5 | is.na(duration)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (creditAmount < 
#>         2618.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         683.5 ~ -0.0100994315, duration >= 16.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (creditAmount < 2618.5 | 
#>         is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         683.5 ~ -0.00112214836, employment_X.1 >= 0.5 & job_skilled >= 
#>         0.5 & (creditAmount < 2618.5 | is.na(creditAmount)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.00480022281, (age < 30.5 | 
#>         is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 2618.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         683.5 ~ -0.00281296368, age >= 30.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & creditAmount >= 
#>         2618.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ 0.00859262422, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & installmentCommitment >= 
#>         2.5 & (job_skilled < 0.5 | is.na(job_skilled)) & personalStatus_male.single >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ 0.0063395761, residenceSince >= 
#>         2.5 & installmentCommitment >= 2.5 & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & personalStatus_male.single >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.00097105332, duration >= 39 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         job_skilled >= 0.5 & personalStatus_male.single >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.00283877715, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & job_skilled >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ 0.00191901659, installmentCommitment >= 
#>         3.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & job_skilled >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.00299616274, residenceSince >= 
#>         3.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         job_skilled >= 0.5 & (creditAmount < 2618.5 | is.na(creditAmount)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.00285154465, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (duration < 39 | is.na(duration)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         job_skilled >= 0.5 & personalStatus_male.single >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.0118661178, checkingStatus_X.0 >= 
#>         0.5 & (duration < 39 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         job_skilled >= 0.5 & personalStatus_male.single >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         creditAmount >= 683.5 ~ -0.00308298483, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & job_skilled >= 0.5 & (creditAmount < 
#>         2618.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         683.5 ~ 0.0113306167, checkingStatus_no.checking >= 0.5 & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & job_skilled >= 0.5 & (creditAmount < 
#>         2618.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 
#>         683.5 ~ 0.00126417051) + case_when((personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_used.car >= 
#>     0.5 ~ -0.0083902562, personalStatus_female.div.dep.mar >= 
#>     0.5 & purpose_used.car >= 0.5 ~ -0.00064506015, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & age >= 44.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.0091253845, checkingStatus_X.0 >= 
#>     0.5 & age >= 44.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00133611122, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (age < 
#>     44.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00807391666, age >= 38.5 & installmentCommitment >= 1.5 & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (age < 
#>     44.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.0070038829, (duration < 16.5 | is.na(duration)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & ownTelephone_none >= 
#>     0.5 & (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) ~ -0.0085193282, employment_X4..X.7 >= 
#>     0.5 & (age < 38.5 | is.na(age)) & installmentCommitment >= 
#>     1.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.0103112878, propertyMagnitude_car >= 0.5 & duration >= 
#>     16.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     ownTelephone_none >= 0.5 & (age < 44.5 | is.na(age)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00325165736, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (age < 30.5 | is.na(age)) & installmentCommitment >= 
#>     3.5 & ownTelephone_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.00390052167, 
#>     (numDependents < 1.5 | is.na(numDependents)) & age >= 30.5 & 
#>         installmentCommitment >= 3.5 & ownTelephone_none >= 0.5 & 
#>         (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00392172905, numDependents >= 
#>         1.5 & age >= 30.5 & installmentCommitment >= 3.5 & ownTelephone_none >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0108686406, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & duration >= 16.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         ownTelephone_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00420274492, residenceSince >= 2.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & duration >= 16.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         ownTelephone_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00109925447, propertyMagnitude_car >= 0.5 & job_skilled >= 
#>         0.5 & (age < 30.5 | is.na(age)) & installmentCommitment >= 
#>         3.5 & ownTelephone_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00835043658, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (age < 38.5 | is.na(age)) & 
#>         installmentCommitment >= 1.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00101340574, propertyMagnitude_car >= 0.5 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (age < 38.5 | is.na(age)) & 
#>         installmentCommitment >= 1.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0083269095, (creditAmount < 2850 | is.na(creditAmount)) & 
#>         residenceSince >= 2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (age < 38.5 | is.na(age)) & installmentCommitment >= 
#>         1.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00378261879, creditAmount >= 
#>         2850 & residenceSince >= 2.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (age < 38.5 | is.na(age)) & 
#>         installmentCommitment >= 1.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000513367122, (creditAmount < 1191.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         job_skilled >= 0.5 & (age < 30.5 | is.na(age)) & installmentCommitment >= 
#>         3.5 & ownTelephone_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00333535997, creditAmount >= 1191.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & job_skilled >= 
#>         0.5 & (age < 30.5 | is.na(age)) & installmentCommitment >= 
#>         3.5 & ownTelephone_none >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00378911872) + case_when((propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & personalStatus_male.div.sep >= 
#>     0.5 ~ 0.00794699043, propertyMagnitude_car >= 0.5 & personalStatus_male.div.sep >= 
#>     0.5 ~ -0.000167475911, (otherParties_none < 0.5 | is.na(otherParties_none)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) ~ 0.00179328525, 
#>     duration >= 31.5 & otherParties_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.000667458633, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.00458739046, residenceSince >= 2.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.000184305201, otherPaymentPlans_bank >= 0.5 & age >= 
#>         28.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00144022971, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (duration < 31.5 | is.na(duration)) & otherParties_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.000750768406, otherPaymentPlans_none >= 0.5 & (duration < 
#>         31.5 | is.na(duration)) & otherParties_none >= 0.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.00876690447, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00159603194, installmentCommitment >= 3.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.0121260388, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         propertyMagnitude_car >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.00178284, installmentCommitment >= 3.5 & propertyMagnitude_car >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00528066372, employment_X1..X.4 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (age < 28.5 | 
#>         is.na(age)) & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00320007536, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         personalStatus_male.single >= 0.5 & (age < 28.5 | is.na(age)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00639453577, checkingStatus_X.0 >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (age < 28.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.000767296704, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (age < 28.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.00740522426, (creditAmount < 4542 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         age >= 28.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.008022842, creditAmount >= 4542 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & age >= 28.5 & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00167037616, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         checkingStatus_X.0 >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & age >= 28.5 & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.00382323889, installmentCommitment >= 3.5 & checkingStatus_X.0 >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         age >= 28.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00551012624, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         employment_X.1 >= 0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (age < 28.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         -0.00379244611, checkingStatus_X0..X.200 >= 0.5 & employment_X.1 >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (age < 28.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) ~ 
#>         0.00693508564) + case_when((otherParties_none < 0.5 | 
#>     is.na(otherParties_none)) & (job_skilled < 0.5 | is.na(job_skilled)) ~ 
#>     -0.0110486252, checkingStatus_X..200 >= 0.5 & job_skilled >= 
#>     0.5 ~ -0.00786573905, (creditAmount < 1495 | is.na(creditAmount)) & 
#>     (age < 29.5 | is.na(age)) & otherParties_none >= 0.5 & (job_skilled < 
#>     0.5 | is.na(job_skilled)) ~ 0.00660028867, creditAmount >= 
#>     5904.5 & housing_own >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) & job_skilled >= 0.5 ~ 0.00571412966, 
#>     (creditAmount < 2971 | is.na(creditAmount)) & creditAmount >= 
#>         1495 & (age < 29.5 | is.na(age)) & otherParties_none >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) ~ -0.00329772406, 
#>     creditAmount >= 2971 & creditAmount >= 1495 & (age < 29.5 | 
#>         is.na(age)) & otherParties_none >= 0.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) ~ 0.0056824279, (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 29.5 & otherParties_none >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) ~ -0.00777649693, 
#>     employment_unemployed >= 0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         age >= 29.5 & otherParties_none >= 0.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) ~ -0.000327856193, (creditAmount < 
#>         6438.5 | is.na(creditAmount)) & employment_X..7 >= 0.5 & 
#>         age >= 29.5 & otherParties_none >= 0.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) ~ -0.00354243605, creditAmount >= 
#>         6438.5 & employment_X..7 >= 0.5 & age >= 29.5 & otherParties_none >= 
#>         0.5 & (job_skilled < 0.5 | is.na(job_skilled)) ~ 0.00263696583, 
#>     (duration < 17 | is.na(duration)) & (creditAmount < 2639 | 
#>         is.na(creditAmount)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ 0.0107844062, duration >= 17 & (creditAmount < 
#>         2639 | is.na(creditAmount)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ 0.00389464223, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & creditAmount >= 2639 & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & job_skilled >= 
#>         0.5 ~ -0.00195000658, (creditAmount < 923.5 | is.na(creditAmount)) & 
#>         (creditAmount < 5904.5 | is.na(creditAmount)) & housing_own >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ 0.00343016861, (age < 35.5 | is.na(age)) & 
#>         residenceSince >= 3.5 & creditAmount >= 2639 & (housing_own < 
#>         0.5 | is.na(housing_own)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & job_skilled >= 
#>         0.5 ~ 0.00760489935, age >= 35.5 & residenceSince >= 
#>         3.5 & creditAmount >= 2639 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ -0.00121219514, (age < 25.5 | is.na(age)) & 
#>         creditAmount >= 923.5 & (creditAmount < 5904.5 | is.na(creditAmount)) & 
#>         housing_own >= 0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ 0.00383817102, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & age >= 25.5 & creditAmount >= 
#>         923.5 & (creditAmount < 5904.5 | is.na(creditAmount)) & 
#>         housing_own >= 0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ -0.00802609883, (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & savingsStatus_X.100 >= 
#>         0.5 & age >= 25.5 & creditAmount >= 923.5 & (creditAmount < 
#>         5904.5 | is.na(creditAmount)) & housing_own >= 0.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ -0.000266384799, purpose_radio.tv >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & age >= 25.5 & creditAmount >= 
#>         923.5 & (creditAmount < 5904.5 | is.na(creditAmount)) & 
#>         housing_own >= 0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         job_skilled >= 0.5 ~ -0.0068338397) + case_when(purpose_education >= 
#>     0.5 & (creditAmount < 3891 | is.na(creditAmount)) ~ 0.00769967772, 
#>     personalStatus_male.div.sep >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ 0.00400820421, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         3891 ~ 0.00855476502, job_skilled >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         3891 ~ 0.0031044588, age >= 41.5 & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3891 ~ 0.00473856227, age >= 34.5 & 
#>         (age < 41.5 | is.na(age)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3891 ~ -0.00813475717, checkingStatus_no.checking >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ -0.00711796805, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (age < 34.5 | is.na(age)) & 
#>         (age < 41.5 | is.na(age)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 3891 ~ -0.00634362455, installmentCommitment >= 
#>         2.5 & (age < 34.5 | is.na(age)) & (age < 41.5 | is.na(age)) & 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 3891 ~ 
#>         0.00310845464, age >= 33.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ -0.00143458904, existingCredits >= 
#>         1.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         housing_own >= 0.5 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ 0.00127500738, otherPaymentPlans_stores >= 
#>         0.5 & installmentCommitment >= 3.5 & housing_own >= 0.5 & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 3891 | is.na(creditAmount)) ~ -0.000900284795, 
#>     (creditAmount < 2279 | is.na(creditAmount)) & (age < 33.5 | 
#>         is.na(age)) & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ 0.00497969333, creditAmount >= 
#>         2279 & (age < 33.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ 0.00160014804, personalStatus_female.div.dep.mar >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         housing_own >= 0.5 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ -0.00164312916, purpose_furniture.equipment >= 
#>         0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         installmentCommitment >= 3.5 & housing_own >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ -0.00171869854, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & housing_own >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 3891 | is.na(creditAmount)) ~ -0.00803202856, 
#>     checkingStatus_X.0 >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & housing_own >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditAmount < 3891 | is.na(creditAmount)) ~ -0.00290562795, 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         installmentCommitment >= 3.5 & housing_own >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ -0.00986478757, employment_X4..X.7 >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         installmentCommitment >= 3.5 & housing_own >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditAmount < 3891 | 
#>         is.na(creditAmount)) ~ -0.0039864704) + case_when(personalStatus_male.mar.wid >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.000878780615, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 16.5 | is.na(duration)) & employment_X.1 >= 
#>         0.5 ~ -0.00520680426, installmentCommitment >= 3.5 & 
#>         (duration < 16.5 | is.na(duration)) & employment_X.1 >= 
#>         0.5 ~ 0.00297604245, residenceSince >= 2.5 & duration >= 
#>         16.5 & employment_X.1 >= 0.5 ~ 0.0100339232, (creditAmount < 
#>         1390 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00156394229, creditAmount >= 
#>         1390 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00795961265, 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & otherPaymentPlans_bank >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.000830768549, purpose_new.car >= 
#>         0.5 & otherPaymentPlans_bank >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.0117885955, (creditAmount < 2554 | is.na(creditAmount)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & duration >= 
#>         16.5 & employment_X.1 >= 0.5 ~ 1.4522263e-05, creditAmount >= 
#>         2554 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         duration >= 16.5 & employment_X.1 >= 0.5 ~ 0.00423836801, 
#>     (creditAmount < 2971.5 | is.na(creditAmount)) & age >= 43.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 0.00140269962, creditAmount >= 
#>         2971.5 & age >= 43.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00778787676, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (age < 43.5 | 
#>         is.na(age)) & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.00311856274, installmentCommitment >= 
#>         2.5 & personalStatus_female.div.dep.mar >= 0.5 & (age < 
#>         43.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00725288037, (age < 33 | is.na(age)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>         43.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.0026342331, age >= 33 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (age < 43.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.0113509083, checkingStatus_X.0 >= 0.5 & job_skilled >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (age < 43.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00199543359, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         job_skilled >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>         43.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00358762615, checkingStatus_no.checking >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & job_skilled >= 0.5 & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (age < 43.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00800056197) + case_when(creditAmount >= 10918 ~ 0.00946044829, 
#>     personalStatus_male.mar.wid >= 0.5 & (age < 25.5 | is.na(age)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00732850051, 
#>     creditHistory_all.paid >= 0.5 & age >= 25.5 & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ 0.00615181867, (creditAmount < 
#>         1353.5 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (age < 25.5 | 
#>         is.na(age)) & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00314278738, duration >= 25.5 & creditAmount >= 1353.5 & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (age < 25.5 | is.na(age)) & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00982288737, housing_rent >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.0027628087, 
#>     otherParties_guarantor >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00923821144, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 25.5 | is.na(duration)) & creditAmount >= 
#>         1353.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (age < 25.5 | is.na(age)) & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00566259865, installmentCommitment >= 3.5 & (duration < 
#>         25.5 | is.na(duration)) & creditAmount >= 1353.5 & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (age < 25.5 | 
#>         is.na(age)) & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00518937921, (age < 30.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ -0.00243428303, 
#>     age >= 30.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ -0.0101604816, 
#>     (creditAmount < 4794 | is.na(creditAmount)) & propertyMagnitude_life.insurance >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ -0.00552683556, 
#>     creditAmount >= 4794 & propertyMagnitude_life.insurance >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00296934857, 
#>     (age < 33.5 | is.na(age)) & employment_X.1 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.000579197309, age >= 33.5 & employment_X.1 >= 0.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.0112844631, 
#>     (creditAmount < 1563.5 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.000525097246, creditAmount >= 1563.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00704520382, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00421006046, checkingStatus_no.checking >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ -0.00521571143) + 
#>     case_when(duration >= 33 & (residenceSince < 1.5 | is.na(residenceSince)) ~ 
#>         -0.00172688405, (duration < 8.5 | is.na(duration)) & 
#>         residenceSince >= 1.5 ~ -0.00783191528, (creditAmount < 
#>         1555 | is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) ~ -0.00386785343, 
#>         creditAmount >= 1555 & (duration < 33 | is.na(duration)) & 
#>             (residenceSince < 1.5 | is.na(residenceSince)) ~ 
#>             -0.00963118952, creditHistory_no.credits.all.paid >= 
#>             0.5 & duration >= 8.5 & residenceSince >= 1.5 ~ 0.0111663267, 
#>         savingsStatus_no.known.savings >= 0.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ -0.00311861513, 
#>         purpose_new.car >= 0.5 & (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & otherPaymentPlans_none >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>             8.5 & residenceSince >= 1.5 ~ -0.0010709248, employment_X4..X.7 >= 
#>             0.5 & installmentCommitment >= 2.5 & otherPaymentPlans_none >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>             8.5 & residenceSince >= 1.5 ~ -0.00648340164, (creditAmount < 
#>             3062 | is.na(creditAmount)) & (residenceSince < 2.5 | 
#>             is.na(residenceSince)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ 0.00972194411, 
#>         creditAmount >= 3062 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ 0.00293601537, 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             residenceSince >= 2.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ -0.0015265476, 
#>         checkingStatus_X.0 >= 0.5 & residenceSince >= 2.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ 0.00628887862, 
#>         creditAmount >= 7037.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ 0.000343047403, 
#>         purpose_radio.tv >= 0.5 & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) & installmentCommitment >= 
#>             2.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ -0.00523792068, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (creditAmount < 7037.5 | is.na(creditAmount)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & otherPaymentPlans_none >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>             8.5 & residenceSince >= 1.5 ~ -0.00479990384, savingsStatus_X.100 >= 
#>             0.5 & (creditAmount < 7037.5 | is.na(creditAmount)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ -0.0106504923, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & installmentCommitment >= 
#>             2.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 & residenceSince >= 1.5 ~ 0.00566462427, 
#>         job_skilled >= 0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             installmentCommitment >= 2.5 & otherPaymentPlans_none >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>             8.5 & residenceSince >= 1.5 ~ 0.000508200203) + case_when(purpose_used.car >= 
#>     0.5 ~ -0.00799501315, savingsStatus_X500..X.1000 >= 0.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00651197461, 
#>     (creditAmount < 678 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00482541556, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0032190904, creditHistory_no.credits.all.paid >= 0.5 & 
#>         creditAmount >= 678 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00923069473, (housing_own < 0.5 | is.na(housing_own)) & 
#>         otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00164009898, (creditAmount < 979.5 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         creditAmount >= 678 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00947555806, (duration < 22.5 | is.na(duration)) & 
#>         housing_own >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00659750402, duration >= 22.5 & housing_own >= 0.5 & 
#>         otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000613389362, personalStatus_male.div.sep >= 0.5 & 
#>         creditAmount >= 979.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         678 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00742856972, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         creditAmount >= 979.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         678 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -7.95708183e-05, employment_X1..X.4 >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         979.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         creditAmount >= 678 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00589022925) + case_when(purpose_new.car >= 0.5 & employment_X4..X.7 >= 
#>     0.5 ~ 0.00198408985, (duration < 37.5 | is.na(duration)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & employment_X4..X.7 >= 
#>     0.5 ~ -0.00891276542, duration >= 37.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & employment_X4..X.7 >= 0.5 ~ 
#>     0.000175037581, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     duration >= 28.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00331754796, ownTelephone_none >= 0.5 & duration >= 28.5 & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00936790835, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & installmentCommitment >= 
#>     2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00275395857, (creditAmount < 2492.5 | is.na(creditAmount)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (duration < 
#>     28.5 | is.na(duration)) & (installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.0029833247, creditAmount >= 
#>     2492.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (duration < 28.5 | is.na(duration)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.0097542014, (age < 26.5 | 
#>     is.na(age)) & ownTelephone_none >= 0.5 & (duration < 28.5 | 
#>     is.na(duration)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00446222583, age >= 26.5 & ownTelephone_none >= 0.5 & (duration < 
#>     28.5 | is.na(duration)) & (installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.00718352292, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ 0.000601540727, job_skilled >= 
#>     0.5 & (residenceSince < 1.5 | is.na(residenceSince)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.0068371552, (creditAmount < 
#>     1770 | is.na(creditAmount)) & personalStatus_male.single >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 & 
#>     installmentCommitment >= 2.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.000227879354, creditAmount >= 
#>     1770 & personalStatus_male.single >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & installmentCommitment >= 2.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00981270149, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & propertyMagnitude_life.insurance >= 
#>     0.5 & residenceSince >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ 0.00371162919, ownTelephone_yes >= 
#>     0.5 & propertyMagnitude_life.insurance >= 0.5 & residenceSince >= 
#>     1.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & installmentCommitment >= 
#>     2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.0047017131, (housing_own < 0.5 | is.na(housing_own)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     residenceSince >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ 0.00350665976, housing_own >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     residenceSince >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.00285981758, (creditAmount < 
#>     1622 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     residenceSince >= 1.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     installmentCommitment >= 2.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ 0.00103577215, creditAmount >= 
#>     1622 & savingsStatus_X.100 >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>     1.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & installmentCommitment >= 
#>     2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.0109974109) + case_when(job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (duration < 15.5 | is.na(duration)) ~ 0.00302728754, 
#>     (age < 24.5 | is.na(age)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (duration < 
#>         15.5 | is.na(duration)) ~ -0.0109973289, otherPaymentPlans_stores >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 ~ -0.00339964195, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & purpose_used.car >= 0.5 & 
#>         duration >= 15.5 ~ -0.00650013611, residenceSince >= 
#>         3.5 & purpose_used.car >= 0.5 & duration >= 15.5 ~ -0.0015386499, 
#>     creditAmount >= 1279.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & age >= 
#>         24.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00900913123, 
#>     (creditAmount < 1329.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & age >= 24.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (duration < 
#>         15.5 | is.na(duration)) ~ 0.00612114184, creditAmount >= 
#>         1329.5 & personalStatus_female.div.dep.mar >= 0.5 & age >= 
#>         24.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00412477925, 
#>     (creditAmount < 2627 | is.na(creditAmount)) & otherPaymentPlans_bank >= 
#>         0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 ~ 0.0100456486, creditAmount >= 2627 & 
#>         otherPaymentPlans_bank >= 0.5 & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 0.00374533259, 
#>     (age < 33.5 | is.na(age)) & (creditAmount < 1279.5 | is.na(creditAmount)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         age >= 24.5 & (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (duration < 15.5 | 
#>         is.na(duration)) ~ -0.00392933702, age >= 33.5 & (creditAmount < 
#>         1279.5 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & age >= 
#>         24.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -7.63765929e-05, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         purpose_radio.tv >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ -0.0085144937, 
#>     installmentCommitment >= 3.5 & purpose_radio.tv >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 ~ -0.00163483934, checkingStatus_X.0 >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 15.5 ~ 0.00966352969, (creditAmount < 6532.5 | 
#>         is.na(creditAmount)) & existingCredits >= 1.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ -0.00520723686, 
#>     creditAmount >= 6532.5 & existingCredits >= 1.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 0.00731133809, 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 0.00575291598, 
#>     purpose_new.car >= 0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ -0.0034448239) + 
#>     case_when(personalStatus_male.single >= 0.5 & employment_X.1 >= 
#>         0.5 ~ 0.00513373781, (duration < 9.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00709183607, 
#>         (age < 41.5 | is.na(age)) & purpose_used.car >= 0.5 & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.0098356409, age >= 41.5 & purpose_used.car >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00330886897, age >= 28.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & employment_X.1 >= 
#>             0.5 ~ -0.00561711192, propertyMagnitude_real.estate >= 
#>             0.5 & (age < 28.5 | is.na(age)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & employment_X.1 >= 
#>             0.5 ~ -0.00179660833, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (age < 32.5 | is.na(age)) & duration >= 9.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00900795683, (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & (age < 
#>             28.5 | is.na(age)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & employment_X.1 >= 
#>             0.5 ~ -0.00207184139, checkingStatus_X0..X.200 >= 
#>             0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>             (age < 28.5 | is.na(age)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & employment_X.1 >= 
#>             0.5 ~ 0.00816353504, numDependents >= 1.5 & residenceSince >= 
#>             3.5 & age >= 32.5 & duration >= 9.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00494091818, (creditAmount < 
#>             2545.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & residenceSince >= 
#>             1.5 & (age < 32.5 | is.na(age)) & duration >= 9.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.000463960867, creditAmount >= 2545.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & residenceSince >= 
#>             1.5 & (age < 32.5 | is.na(age)) & duration >= 9.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00906776264, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             installmentCommitment >= 3.5 & residenceSince >= 
#>             1.5 & (age < 32.5 | is.na(age)) & duration >= 9.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00751883769, (creditAmount < 3507 | is.na(creditAmount)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             age >= 32.5 & duration >= 9.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.0101992255, creditAmount >= 
#>             3507 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             age >= 32.5 & duration >= 9.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00206206157, (creditAmount < 
#>             2306 | is.na(creditAmount)) & existingCredits >= 
#>             1.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             age >= 32.5 & duration >= 9.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 9.8771503e-05, creditAmount >= 
#>             2306 & existingCredits >= 1.5 & (residenceSince < 
#>             3.5 | is.na(residenceSince)) & age >= 32.5 & duration >= 
#>             9.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.0042330008, (creditAmount < 3919 | is.na(creditAmount)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & residenceSince >= 
#>             3.5 & age >= 32.5 & duration >= 9.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00857246947, creditAmount >= 
#>             3919 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             residenceSince >= 3.5 & age >= 32.5 & duration >= 
#>             9.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00323079573, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & job_skilled >= 
#>             0.5 & installmentCommitment >= 3.5 & residenceSince >= 
#>             1.5 & (age < 32.5 | is.na(age)) & duration >= 9.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00169119413, personalStatus_male.single >= 0.5 & 
#>             job_skilled >= 0.5 & installmentCommitment >= 3.5 & 
#>             residenceSince >= 1.5 & (age < 32.5 | is.na(age)) & 
#>             duration >= 9.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00567880692) + case_when((duration < 8.5 | is.na(duration)) & 
#>     (creditAmount < 7839.5 | is.na(creditAmount)) ~ -0.006264247, 
#>     (age < 29.5 | is.na(age)) & creditAmount >= 7839.5 ~ 0.00997930579, 
#>     age >= 29.5 & creditAmount >= 7839.5 ~ 0.00148576184, (creditAmount < 
#>         4590.5 | is.na(creditAmount)) & purpose_used.car >= 0.5 & 
#>         duration >= 8.5 & (creditAmount < 7839.5 | is.na(creditAmount)) ~ 
#>         -0.00697444566, creditAmount >= 4590.5 & purpose_used.car >= 
#>         0.5 & duration >= 8.5 & (creditAmount < 7839.5 | is.na(creditAmount)) ~ 
#>         -0.00193811127, employment_unemployed >= 0.5 & (creditAmount < 
#>         2478 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ 0.0114162089, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (duration < 23 | is.na(duration)) & 
#>         creditAmount >= 2478 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 8.5 & (creditAmount < 7839.5 | is.na(creditAmount)) ~ 
#>         -0.00866364315, existingCredits >= 1.5 & (duration < 
#>         23 | is.na(duration)) & creditAmount >= 2478 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ -0.000193551008, checkingStatus_X.0 >= 
#>         0.5 & duration >= 23 & creditAmount >= 2478 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ 0.00765369041, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (creditAmount < 2478 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ -0.00562444609, age >= 
#>         34 & checkingStatus_X0..X.200 >= 0.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>         2478 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ -0.000195128727, (age < 
#>         25.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 23 & creditAmount >= 2478 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ 0.00782984402, (age < 
#>         39.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (creditAmount < 2478 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ -0.000874094723, age >= 
#>         39.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (creditAmount < 2478 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ 0.00602419674, (creditAmount < 
#>         1223.5 | is.na(creditAmount)) & (age < 34 | is.na(age)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (creditAmount < 
#>         2478 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ 0.00285498006, creditAmount >= 
#>         1223.5 & (age < 34 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (creditAmount < 2478 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 8.5 & (creditAmount < 
#>         7839.5 | is.na(creditAmount)) ~ 0.0112826014, (age < 
#>         28.5 | is.na(age)) & age >= 25.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 23 & creditAmount >= 
#>         2478 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 8.5 & (creditAmount < 7839.5 | is.na(creditAmount)) ~ 
#>         -0.00213163672, age >= 28.5 & age >= 25.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & duration >= 23 & creditAmount >= 
#>         2478 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 8.5 & (creditAmount < 7839.5 | is.na(creditAmount)) ~ 
#>         -0.00804921705) + case_when((creditAmount < 1208.5 | 
#>     is.na(creditAmount)) & employment_X.1 >= 0.5 ~ -0.0037106541, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         purpose_new.car >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00731816096, existingCredits >= 1.5 & creditAmount >= 
#>         1208.5 & employment_X.1 >= 0.5 ~ 0.00879993569, checkingStatus_X..200 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00696302624, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & checkingStatus_no.checking >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00869161636, 
#>     job_unskilled.resident >= 0.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & creditAmount >= 1208.5 & employment_X.1 >= 
#>         0.5 ~ 0.00765314605, (creditAmount < 2312.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 3.5 & checkingStatus_no.checking >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.0015977649, 
#>     creditAmount >= 2312.5 & installmentCommitment >= 3.5 & checkingStatus_no.checking >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00717483042, 
#>     (creditAmount < 2874 | is.na(creditAmount)) & (age < 31.5 | 
#>         is.na(age)) & otherPaymentPlans_none >= 0.5 & purpose_new.car >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00240300503, creditAmount >= 2874 & (age < 31.5 | 
#>         is.na(age)) & otherPaymentPlans_none >= 0.5 & purpose_new.car >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00688365987, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         age >= 31.5 & otherPaymentPlans_none >= 0.5 & purpose_new.car >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00901916251, ownTelephone_none >= 0.5 & age >= 31.5 & 
#>         otherPaymentPlans_none >= 0.5 & purpose_new.car >= 0.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00212672446, 
#>     (creditAmount < 2994 | is.na(creditAmount)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 1208.5 & 
#>         employment_X.1 >= 0.5 ~ -0.00361117441, creditAmount >= 
#>         2994 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & creditAmount >= 
#>         1208.5 & employment_X.1 >= 0.5 ~ 0.0037704953, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         16.5 | is.na(duration)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.0100329323, propertyMagnitude_real.estate >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.00328276842, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & duration >= 16.5 & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.0018348312, propertyMagnitude_car >= 
#>         0.5 & duration >= 16.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00318417721, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 25.5 & 
#>         job_skilled >= 0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 9.22225518e-05, savingsStatus_X.100 >= 
#>         0.5 & duration >= 25.5 & job_skilled >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 0.0105959177, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (duration < 
#>         25.5 | is.na(duration)) & job_skilled >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 0.00648567965, existingCredits >= 
#>         1.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (duration < 25.5 | is.na(duration)) & job_skilled >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00205261097, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & personalStatus_male.single >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & job_skilled >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.00197325763, installmentCommitment >= 
#>         3.5 & personalStatus_male.single >= 0.5 & (duration < 
#>         25.5 | is.na(duration)) & job_skilled >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.00646409439) + case_when((creditAmount < 
#>     2729.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) & (duration < 16.5 | 
#>     is.na(duration)) ~ -0.00282240892, creditAmount >= 2729.5 & 
#>     (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>     (duration < 16.5 | is.na(duration)) ~ 0.00511061912, (creditAmount < 
#>     798.5 | is.na(creditAmount)) & installmentCommitment >= 1.5 & 
#>     (duration < 16.5 | is.na(duration)) ~ 0.000276512321, (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & duration >= 16.5 ~ -0.00917773321, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & duration >= 16.5 ~ 
#>         0.00146491104, purpose_new.car >= 0.5 & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 16.5 ~ 0.00619581202, (creditAmount < 1603.5 | 
#>         is.na(creditAmount)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 798.5 & installmentCommitment >= 1.5 & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.00476698019, 
#>     creditAmount >= 1603.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 798.5 & installmentCommitment >= 1.5 & 
#>         (duration < 16.5 | is.na(duration)) ~ 0.00162639224, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         ownTelephone_none >= 0.5 & creditAmount >= 798.5 & installmentCommitment >= 
#>         1.5 & (duration < 16.5 | is.na(duration)) ~ -0.0104626808, 
#>     propertyMagnitude_car >= 0.5 & ownTelephone_none >= 0.5 & 
#>         creditAmount >= 798.5 & installmentCommitment >= 1.5 & 
#>         (duration < 16.5 | is.na(duration)) ~ -0.00323111913, 
#>     (creditAmount < 2946 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 16.5 ~ -0.00172444829, creditAmount >= 2946 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 16.5 ~ 0.00100841082, (creditAmount < 1705.5 | 
#>         is.na(creditAmount)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (creditAmount < 3371.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 16.5 ~ 0.00377623411, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         existingCredits >= 1.5 & (creditAmount < 3371.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 ~ -0.000751519634, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & existingCredits >= 
#>         1.5 & (creditAmount < 3371.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 ~ 0.00561211258, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & creditAmount >= 3371.5 & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 ~ 0.00786924735, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         ownTelephone_none >= 0.5 & creditAmount >= 3371.5 & savingsStatus_X.100 >= 
#>         0.5 & duration >= 16.5 ~ -0.0075821504, installmentCommitment >= 
#>         2.5 & ownTelephone_none >= 0.5 & creditAmount >= 3371.5 & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 ~ -0.00179791893, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 1705.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (creditAmount < 3371.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 16.5 ~ 0.0114467293, personalStatus_female.div.dep.mar >= 
#>         0.5 & creditAmount >= 1705.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & (creditAmount < 3371.5 | is.na(creditAmount)) & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 ~ 0.00460489187, 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         residenceSince >= 3.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 3371.5 & savingsStatus_X.100 >= 0.5 & 
#>         duration >= 16.5 ~ -0.000638193625, propertyMagnitude_no.known.property >= 
#>         0.5 & residenceSince >= 3.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & creditAmount >= 3371.5 & 
#>         savingsStatus_X.100 >= 0.5 & duration >= 16.5 ~ 0.000949389185) + 
#>     case_when(purpose_furniture.equipment >= 0.5 & personalStatus_male.single >= 
#>         0.5 & (age < 34.5 | is.na(age)) ~ -0.0092369318, duration >= 
#>         33 & creditAmount >= 3792 & age >= 34.5 ~ -0.00625408115, 
#>         purpose_radio.tv >= 0.5 & (creditAmount < 1772 | is.na(creditAmount)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (age < 34.5 | is.na(age)) ~ 0.00263514393, purpose_radio.tv >= 
#>             0.5 & creditAmount >= 1772 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (age < 
#>             34.5 | is.na(age)) ~ -0.00187168352, propertyMagnitude_no.known.property >= 
#>             0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             personalStatus_male.single >= 0.5 & (age < 34.5 | 
#>             is.na(age)) ~ 0.00570355961, job_unskilled.resident >= 
#>             0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (creditAmount < 3792 | is.na(creditAmount)) & age >= 
#>             34.5 ~ -0.00306924526, (duration < 19.5 | is.na(duration)) & 
#>             numDependents >= 1.5 & (creditAmount < 3792 | is.na(creditAmount)) & 
#>             age >= 34.5 ~ -0.00719373394, duration >= 19.5 & 
#>             numDependents >= 1.5 & (creditAmount < 3792 | is.na(creditAmount)) & 
#>             age >= 34.5 ~ 0.00742168864, (residenceSince < 2.5 | 
#>             is.na(residenceSince)) & (duration < 33 | is.na(duration)) & 
#>             creditAmount >= 3792 & age >= 34.5 ~ 0.0115160961, 
#>         residenceSince >= 2.5 & (duration < 33 | is.na(duration)) & 
#>             creditAmount >= 3792 & age >= 34.5 ~ 0.00120859907, 
#>         (creditAmount < 979.5 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (creditAmount < 
#>             1772 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (age < 
#>             34.5 | is.na(age)) ~ 0.00433690427, creditAmount >= 
#>             979.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (creditAmount < 1772 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (age < 
#>             34.5 | is.na(age)) ~ -0.00723565323, installmentCommitment >= 
#>             3.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             creditAmount >= 1772 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (age < 
#>             34.5 | is.na(age)) ~ 0.0148189124, (age < 26.5 | 
#>             is.na(age)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             personalStatus_male.single >= 0.5 & (age < 34.5 | 
#>             is.na(age)) ~ 0.00542879431, age >= 26.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             personalStatus_male.single >= 0.5 & (age < 34.5 | 
#>             is.na(age)) ~ -0.00640139543, (creditAmount < 1373 | 
#>             is.na(creditAmount)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & (creditAmount < 3792 | 
#>             is.na(creditAmount)) & age >= 34.5 ~ -0.00329045206, 
#>         creditAmount >= 1373 & (job_unskilled.resident < 0.5 | 
#>             is.na(job_unskilled.resident)) & (numDependents < 
#>             1.5 | is.na(numDependents)) & (creditAmount < 3792 | 
#>             is.na(creditAmount)) & age >= 34.5 ~ -0.0107672354, 
#>         age >= 27.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             creditAmount >= 1772 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (age < 
#>             34.5 | is.na(age)) ~ 0.00977941044, (duration < 21 | 
#>             is.na(duration)) & (age < 27.5 | is.na(age)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & creditAmount >= 
#>             1772 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (age < 34.5 | is.na(age)) ~ -0.00789900869, duration >= 
#>             21 & (age < 27.5 | is.na(age)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & creditAmount >= 
#>             1772 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (age < 34.5 | is.na(age)) ~ 0.00538800424) + case_when((creditAmount < 
#>     653 | is.na(creditAmount)) ~ -0.00713890884, (age < 27.5 | 
#>     is.na(age)) & employment_X4..X.7 >= 0.5 & creditAmount >= 
#>     653 ~ 0.00274424884, (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & (age < 25.5 | is.na(age)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     creditAmount >= 653 ~ 0.000196049354, duration >= 41 & age >= 
#>     25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     creditAmount >= 653 ~ -0.00543678645, (duration < 33 | is.na(duration)) & 
#>     age >= 27.5 & employment_X4..X.7 >= 0.5 & creditAmount >= 
#>     653 ~ -0.00356586021, duration >= 33 & age >= 27.5 & employment_X4..X.7 >= 
#>     0.5 & creditAmount >= 653 ~ -0.00914109126, (housing_rent < 
#>     0.5 | is.na(housing_rent)) & creditHistory_existing.paid >= 
#>     0.5 & (age < 25.5 | is.na(age)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & creditAmount >= 653 ~ 0.00368182105, 
#>     housing_rent >= 0.5 & creditHistory_existing.paid >= 0.5 & 
#>         (age < 25.5 | is.na(age)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & creditAmount >= 653 ~ 0.00922086556, 
#>     purpose_education >= 0.5 & (duration < 41 | is.na(duration)) & 
#>         age >= 25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 653 ~ 0.00678812712, housing_rent >= 
#>         0.5 & (age < 30.5 | is.na(age)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (duration < 41 | is.na(duration)) & 
#>         age >= 25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 653 ~ 0.00565938558, (creditAmount < 
#>         1163 | is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (age < 30.5 | is.na(age)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) & (duration < 41 | is.na(duration)) & 
#>         age >= 25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 653 ~ 0.00213762023, creditAmount >= 
#>         1163 & (housing_rent < 0.5 | is.na(housing_rent)) & (age < 
#>         30.5 | is.na(age)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (duration < 41 | is.na(duration)) & age >= 25.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 653 ~ 
#>         -0.00540697807, (age < 44.5 | is.na(age)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & age >= 30.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (duration < 41 | is.na(duration)) & age >= 25.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 653 ~ 
#>         0.00988293905, age >= 44.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & age >= 30.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (duration < 41 | is.na(duration)) & age >= 25.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 653 ~ 
#>         -0.000687696913, (age < 34.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & age >= 30.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (duration < 41 | is.na(duration)) & age >= 25.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 653 ~ 
#>         0.00887066498, age >= 34.5 & otherPaymentPlans_none >= 
#>         0.5 & age >= 30.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (duration < 41 | is.na(duration)) & age >= 25.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 653 ~ 
#>         -0.00234665885) + case_when(purpose_education >= 0.5 ~ 
#>     0.00683705416, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (duration < 11.5 | is.na(duration)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ -0.0073507023, residenceSince >= 
#>     3.5 & (duration < 11.5 | is.na(duration)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) ~ -0.000504575029, creditHistory_delayed.previously >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & duration >= 11.5 & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) ~ -0.00587843545, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00981165655, savingsStatus_no.known.savings >= 0.5 & 
#>         installmentCommitment >= 3.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00710582826, (creditAmount < 2029 | is.na(creditAmount)) & 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & existingCredits >= 
#>         1.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00222046045, creditAmount >= 2029 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & existingCredits >= 1.5 & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.0079696225, (duration < 19 | is.na(duration)) & job_skilled >= 
#>         0.5 & existingCredits >= 1.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00914574694, age >= 38.5 & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>         0.5 & duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.0106287804, (creditAmount < 2478.5 | is.na(creditAmount)) & 
#>         residenceSince >= 3.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>         0.5 & duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00388049986, creditAmount >= 2478.5 & residenceSince >= 
#>         3.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & duration >= 11.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00451353891, purpose_furniture.equipment >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & installmentCommitment >= 
#>         3.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.0037662657, creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 19 & job_skilled >= 0.5 & existingCredits >= 
#>         1.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00576372957, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (age < 38.5 | is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & duration >= 11.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00544984126, propertyMagnitude_car >= 0.5 & (age < 
#>         38.5 | is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & duration >= 11.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00178145187, (creditAmount < 2209 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         installmentCommitment >= 3.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.000154013935, creditAmount >= 2209 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & installmentCommitment >= 
#>         3.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00595652452, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 19 & job_skilled >= 0.5 & existingCredits >= 
#>         1.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00792286824, ownTelephone_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 19 & job_skilled >= 0.5 & existingCredits >= 
#>         1.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 11.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -7.22289906e-06) + case_when(propertyMagnitude_real.estate >= 
#>     0.5 & employment_X.1 >= 0.5 ~ -0.00262636901, otherPaymentPlans_bank >= 
#>     0.5 & housing_rent >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>     0.00750938384, ownTelephone_yes >= 0.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & employment_X.1 >= 
#>     0.5 ~ 0.0109417904, (creditAmount < 2140.5 | is.na(creditAmount)) & 
#>     (age < 25.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00317673199, 
#>     creditAmount >= 2140.5 & (age < 25.5 | is.na(age)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 0.00594830839, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & housing_rent >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.0072055296, savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & housing_rent >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00541474577, (duration < 19.5 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         employment_X.1 >= 0.5 ~ -0.00198833807, duration >= 19.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         employment_X.1 >= 0.5 ~ 0.00766112842, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.0100813117, creditAmount >= 
#>         6249 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         employment_X..7 >= 0.5 & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 0.00823413208, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & employment_X..7 >= 0.5 & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.00916706119, ownTelephone_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & employment_X..7 >= 0.5 & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.000462892494, (creditAmount < 
#>         2138 | is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & installmentCommitment >= 
#>         2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         age >= 25.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00318422541, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & employment_X1..X.4 >= 
#>         0.5 & installmentCommitment >= 2.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.00619840389, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditAmount < 6249 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         employment_X..7 >= 0.5 & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.0036101907, (age < 31.5 | 
#>         is.na(age)) & creditAmount >= 2138 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & installmentCommitment >= 
#>         2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         age >= 25.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.0029773186, 
#>     age >= 31.5 & creditAmount >= 2138 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & installmentCommitment >= 
#>         2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         age >= 25.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.0103663225, 
#>     (age < 34.5 | is.na(age)) & job_skilled >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & installmentCommitment >= 2.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.000208805883, age >= 34.5 & 
#>         job_skilled >= 0.5 & employment_X1..X.4 >= 0.5 & installmentCommitment >= 
#>         2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         age >= 25.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00674540456, 
#>     (age < 39.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>         (creditAmount < 6249 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         employment_X..7 >= 0.5 & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 6.58186618e-05, age >= 39.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditAmount < 6249 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         employment_X..7 >= 0.5 & age >= 25.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 0.00418316666) + case_when((creditAmount < 
#>     683.5 | is.na(creditAmount)) ~ -0.0073522157, age >= 28.5 & 
#>     employment_X4..X.7 >= 0.5 & creditAmount >= 683.5 ~ -0.00660727313, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (age < 28.5 | is.na(age)) & employment_X4..X.7 >= 0.5 & 
#>         creditAmount >= 683.5 ~ -0.00107329572, personalStatus_male.single >= 
#>         0.5 & (age < 28.5 | is.na(age)) & employment_X4..X.7 >= 
#>         0.5 & creditAmount >= 683.5 ~ 0.0023737587, (age < 26.5 | 
#>         is.na(age)) & checkingStatus_X0..X.200 >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 683.5 ~ 
#>         0.0100182779, age >= 26.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ -6.87060601e-05, creditAmount >= 
#>         2961.5 & (housing_own < 0.5 | is.na(housing_own)) & installmentCommitment >= 
#>         2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ 0.0116042076, (creditAmount < 
#>         771 | is.na(creditAmount)) & housing_own >= 0.5 & installmentCommitment >= 
#>         2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ 0.0113121578, creditHistory_existing.paid >= 
#>         0.5 & (age < 38 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 683.5 ~ 
#>         -0.00998554938, (duration < 13.5 | is.na(duration)) & 
#>         age >= 38 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ -0.00262173638, duration >= 13.5 & 
#>         age >= 38 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ 0.00603597937, (duration < 13.5 | 
#>         is.na(duration)) & (creditAmount < 2961.5 | is.na(creditAmount)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & installmentCommitment >= 
#>         2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ -0.00134098018, duration >= 13.5 & 
#>         (creditAmount < 2961.5 | is.na(creditAmount)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & installmentCommitment >= 
#>         2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ 0.00641273474, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (age < 38 | 
#>         is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ -0.00421651546, residenceSince >= 
#>         3.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (age < 38 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 683.5 ~ 
#>         -0.000498676149, (creditAmount < 1972 | is.na(creditAmount)) & 
#>         employment_X..7 >= 0.5 & creditAmount >= 771 & housing_own >= 
#>         0.5 & installmentCommitment >= 2.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 683.5 ~ 
#>         -0.00784138218, creditAmount >= 1972 & employment_X..7 >= 
#>         0.5 & creditAmount >= 771 & housing_own >= 0.5 & installmentCommitment >= 
#>         2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ 0.00165269629, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & creditAmount >= 771 & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 683.5 ~ 
#>         0.00712697953, purpose_furniture.equipment >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & creditAmount >= 771 & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 683.5 ~ 
#>         -0.00222623115, (age < 29 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 771 & housing_own >= 0.5 & installmentCommitment >= 
#>         2.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         creditAmount >= 683.5 ~ -0.000957644545, age >= 29 & 
#>         checkingStatus_X0..X.200 >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & creditAmount >= 771 & 
#>         housing_own >= 0.5 & installmentCommitment >= 2.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & creditAmount >= 683.5 ~ 
#>         -0.00441400381) + case_when(creditAmount >= 7834 & checkingStatus_X0..X.200 >= 
#>     0.5 ~ 0.0101255896, employment_unemployed >= 0.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00376462727, creditAmount >= 
#>     3918 & purpose_new.car >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00553707127, creditAmount >= 
#>     5497.5 & (creditAmount < 7834 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>     0.5 ~ -0.00638337852, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (creditAmount < 3918 | is.na(creditAmount)) & purpose_new.car >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>     -0.0055466434, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     propertyMagnitude_life.insurance >= 0.5 & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.000438072311, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         checkingStatus_X.0 >= 0.5 & (creditAmount < 3918 | is.na(creditAmount)) & 
#>         purpose_new.car >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00830298569, 
#>     personalStatus_male.single >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 3918 | is.na(creditAmount)) & purpose_new.car >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.00140069867, (creditAmount < 2236.5 | is.na(creditAmount)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (creditAmount < 
#>         5497.5 | is.na(creditAmount)) & (creditAmount < 7834 | 
#>         is.na(creditAmount)) & checkingStatus_X0..X.200 >= 0.5 ~ 
#>         0.0093177883, creditAmount >= 2236.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditAmount < 5497.5 | 
#>         is.na(creditAmount)) & (creditAmount < 7834 | is.na(creditAmount)) & 
#>         checkingStatus_X0..X.200 >= 0.5 ~ -0.000661702943, creditAmount >= 
#>         2473.5 & existingCredits >= 1.5 & (creditAmount < 5497.5 | 
#>         is.na(creditAmount)) & (creditAmount < 7834 | is.na(creditAmount)) & 
#>         checkingStatus_X0..X.200 >= 0.5 ~ 0.00535674999, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 1359.5 | 
#>         is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.000202098934, 
#>     checkingStatus_X.0 >= 0.5 & (creditAmount < 1359.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00518769491, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         ownTelephone_none >= 0.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00459677214, 
#>     purpose_furniture.equipment >= 0.5 & ownTelephone_none >= 
#>         0.5 & propertyMagnitude_life.insurance >= 0.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.0120846899, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>         2473.5 | is.na(creditAmount)) & existingCredits >= 1.5 & 
#>         (creditAmount < 5497.5 | is.na(creditAmount)) & (creditAmount < 
#>         7834 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>         0.5 ~ -0.00575919729, residenceSince >= 3.5 & (creditAmount < 
#>         2473.5 | is.na(creditAmount)) & existingCredits >= 1.5 & 
#>         (creditAmount < 5497.5 | is.na(creditAmount)) & (creditAmount < 
#>         7834 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>         0.5 ~ -0.00207692781, creditAmount >= 2472.5 & (duration < 
#>         31.5 | is.na(duration)) & creditAmount >= 1359.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.0106762964, 
#>     (creditAmount < 4377 | is.na(creditAmount)) & duration >= 
#>         31.5 & creditAmount >= 1359.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00671729958, 
#>     creditAmount >= 4377 & duration >= 31.5 & creditAmount >= 
#>         1359.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00350029022, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (creditAmount < 
#>         2472.5 | is.na(creditAmount)) & (duration < 31.5 | is.na(duration)) & 
#>         creditAmount >= 1359.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00125776976, 
#>     residenceSince >= 2.5 & (creditAmount < 2472.5 | is.na(creditAmount)) & 
#>         (duration < 31.5 | is.na(duration)) & creditAmount >= 
#>         1359.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00500455033) + 
#>     case_when(creditHistory_all.paid >= 0.5 ~ 0.00556111755, 
#>         (duration < 25.5 | is.na(duration)) & purpose_used.car >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00238289405, duration >= 25.5 & purpose_used.car >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00776611594, (creditAmount < 3357.5 | is.na(creditAmount)) & 
#>             creditAmount >= 2190.5 & (duration < 14.5 | is.na(duration)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.000363852509, creditAmount >= 3357.5 & creditAmount >= 
#>             2190.5 & (duration < 14.5 | is.na(duration)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00431915559, 
#>         (creditAmount < 1090 | is.na(creditAmount)) & (creditAmount < 
#>             1392 | is.na(creditAmount)) & duration >= 14.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00194699224, creditAmount >= 1090 & (creditAmount < 
#>             1392 | is.na(creditAmount)) & duration >= 14.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00843115989, (propertyMagnitude_real.estate < 0.5 | 
#>             is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>             1124.5 | is.na(creditAmount)) & (creditAmount < 2190.5 | 
#>             is.na(creditAmount)) & (duration < 14.5 | is.na(duration)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00596377999, propertyMagnitude_real.estate >= 0.5 & 
#>             (creditAmount < 1124.5 | is.na(creditAmount)) & (creditAmount < 
#>             2190.5 | is.na(creditAmount)) & (duration < 14.5 | 
#>             is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00793854427, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             creditAmount >= 1124.5 & (creditAmount < 2190.5 | 
#>             is.na(creditAmount)) & (duration < 14.5 | is.na(duration)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00161770312, residenceSince >= 1.5 & creditAmount >= 
#>             1124.5 & (creditAmount < 2190.5 | is.na(creditAmount)) & 
#>             (duration < 14.5 | is.na(duration)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0106832739, 
#>         savingsStatus_no.known.savings >= 0.5 & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & creditAmount >= 
#>             1392 & duration >= 14.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00829812232, 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             propertyMagnitude_real.estate >= 0.5 & creditAmount >= 
#>             1392 & duration >= 14.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.0106079401, 
#>         ownTelephone_yes >= 0.5 & propertyMagnitude_real.estate >= 
#>             0.5 & creditAmount >= 1392 & duration >= 14.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00147273543, 
#>         (creditAmount < 1783 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & creditAmount >= 
#>             1392 & duration >= 14.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00740586221, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             creditAmount >= 1783 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & creditAmount >= 
#>             1392 & duration >= 14.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00135224662, 
#>         employment_X1..X.4 >= 0.5 & creditAmount >= 1783 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_real.estate < 
#>             0.5 | is.na(propertyMagnitude_real.estate)) & creditAmount >= 
#>             1392 & duration >= 14.5 & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00567960786) + 
#>     case_when(creditHistory_no.credits.all.paid >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00544287544, (creditAmount < 
#>         1358 | is.na(creditAmount)) & purpose_new.car >= 0.5 ~ 
#>         0.00737713417, (creditAmount < 2452 | is.na(creditAmount)) & 
#>         creditAmount >= 1358 & purpose_new.car >= 0.5 ~ -0.00485742418, 
#>         employment_X1..X.4 >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) ~ 0.00245594955, (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & creditAmount >= 
#>             2452 & creditAmount >= 1358 & purpose_new.car >= 
#>             0.5 ~ 0.00746132713, (creditAmount < 3559 | is.na(creditAmount)) & 
#>             employment_X4..X.7 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             -0.00134214677, creditAmount >= 3559 & employment_X4..X.7 >= 
#>             0.5 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             -0.00959894434, (creditAmount < 1276 | is.na(creditAmount)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             -0.0029311711, creditAmount >= 1276 & (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) ~ -0.00973716006, (creditAmount < 
#>             6302.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>             0.5 & creditAmount >= 2452 & creditAmount >= 1358 & 
#>             purpose_new.car >= 0.5 ~ -1.79116125e-06, creditAmount >= 
#>             6302.5 & creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             2452 & creditAmount >= 1358 & purpose_new.car >= 
#>             0.5 ~ 0.00223080697, employment_X.1 >= 0.5 & (creditAmount < 
#>             1931.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             0.00103439786, age >= 41.5 & creditAmount >= 1931.5 & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             -0.0047103595, job_unskilled.resident >= 0.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (creditAmount < 1931.5 | 
#>             is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             -0.00999677368, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (creditAmount < 1931.5 | is.na(creditAmount)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             -0.0048537422, residenceSince >= 2.5 & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) & (creditAmount < 1931.5 | 
#>             is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>             is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             0.00142465206, (creditAmount < 3422 | is.na(creditAmount)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 41.5 | is.na(age)) & creditAmount >= 1931.5 & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             0.00768931722, creditAmount >= 3422 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 41.5 | is.na(age)) & creditAmount >= 1931.5 & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             0.00228083786, (creditAmount < 3004 | is.na(creditAmount)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (age < 
#>             41.5 | is.na(age)) & creditAmount >= 1931.5 & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             -0.000984205049, creditAmount >= 3004 & personalStatus_female.div.dep.mar >= 
#>             0.5 & (age < 41.5 | is.na(age)) & creditAmount >= 
#>             1931.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>             5.10938844e-05) + case_when(purpose_radio.tv >= 0.5 & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00853542984, employment_X..7 >= 
#>     0.5 & ownTelephone_yes >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.0020091373, (age < 34.5 | 
#>     is.na(age)) & (duration < 11.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.000523919007, age >= 34.5 & (duration < 11.5 | is.na(duration)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00851957966, (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & ownTelephone_yes >= 0.5 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.0100151533, savingsStatus_X100..X.500 >= 0.5 & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & ownTelephone_yes >= 0.5 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00335212727, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     purpose_radio.tv >= 0.5 & duration >= 11.5 & savingsStatus_X.100 >= 
#>     0.5 ~ 7.15517599e-05, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (ownTelephone_yes < 0.5 | 
#>     is.na(ownTelephone_yes)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.000823767332, installmentCommitment >= 3.5 & (housing_own < 
#>     0.5 | is.na(housing_own)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.0101028616, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & housing_own >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 8.60508953e-05, personalStatus_male.single >= 
#>     0.5 & housing_own >= 0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00427328888, purpose_business >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & duration >= 
#>     11.5 & savingsStatus_X.100 >= 0.5 ~ 0.00665520877, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & installmentCommitment >= 
#>     3.5 & purpose_radio.tv >= 0.5 & duration >= 11.5 & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00992746651, employment_X1..X.4 >= 0.5 & installmentCommitment >= 
#>     3.5 & purpose_radio.tv >= 0.5 & duration >= 11.5 & savingsStatus_X.100 >= 
#>     0.5 ~ 0.000354555494, (creditAmount < 3116 | is.na(creditAmount)) & 
#>     (purpose_business < 0.5 | is.na(purpose_business)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & duration >= 11.5 & savingsStatus_X.100 >= 
#>     0.5 ~ 0.00305957906, (housing_own < 0.5 | is.na(housing_own)) & 
#>     (creditAmount < 1896 | is.na(creditAmount)) & installmentCommitment >= 
#>     2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     duration >= 11.5 & savingsStatus_X.100 >= 0.5 ~ -0.000463717006, 
#>     housing_own >= 0.5 & (creditAmount < 1896 | is.na(creditAmount)) & 
#>         installmentCommitment >= 2.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & duration >= 11.5 & savingsStatus_X.100 >= 
#>         0.5 ~ 0.00424992619, (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1896 & installmentCommitment >= 2.5 & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         duration >= 11.5 & savingsStatus_X.100 >= 0.5 ~ 0.0109268129, 
#>     purpose_used.car >= 0.5 & creditAmount >= 1896 & installmentCommitment >= 
#>         2.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         duration >= 11.5 & savingsStatus_X.100 >= 0.5 ~ -0.00222738762, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & creditAmount >= 
#>         3116 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         duration >= 11.5 & savingsStatus_X.100 >= 0.5 ~ 0.00122551539, 
#>     ownTelephone_none >= 0.5 & creditAmount >= 3116 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & duration >= 11.5 & savingsStatus_X.100 >= 
#>         0.5 ~ -0.0100353668) + case_when(savingsStatus_X..1000 >= 
#>     0.5 ~ -0.00630572345, purpose_used.car >= 0.5 & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.0097672753, (duration < 11 | is.na(duration)) & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) ~ -0.000976920361, (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & employment_X..7 >= 
#>     0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00767358392, checkingStatus_X0..X.200 >= 0.5 & employment_X..7 >= 
#>     0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00445734197, creditAmount >= 7672.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00459505199, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (creditAmount < 7672.5 | is.na(creditAmount)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00519436132, (creditAmount < 1471.5 | is.na(creditAmount)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & duration >= 
#>     11 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) ~ 0.00391249405, creditAmount >= 
#>     3536.5 & residenceSince >= 2.5 & duration >= 11 & (employment_X..7 < 
#>     0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) ~ -0.00137111091, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & creditAmount >= 1471.5 & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & duration >= 
#>     11 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) ~ 0.00421586214, ownTelephone_yes >= 
#>     0.5 & creditAmount >= 1471.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     duration >= 11 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.0129308328, (age < 24.5 | is.na(age)) & (creditAmount < 
#>     3536.5 | is.na(creditAmount)) & residenceSince >= 2.5 & duration >= 
#>     11 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) ~ 0.00868722331, age >= 
#>     24.5 & (creditAmount < 3536.5 | is.na(creditAmount)) & residenceSince >= 
#>     2.5 & duration >= 11 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00291887275, (age < 40.5 | is.na(age)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 2295.5 | 
#>     is.na(creditAmount)) & residenceSince >= 1.5 & (creditAmount < 
#>     7672.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.0101314634, age >= 40.5 & (otherPaymentPlans_none < 0.5 | 
#>     is.na(otherPaymentPlans_none)) & (creditAmount < 2295.5 | 
#>     is.na(creditAmount)) & residenceSince >= 1.5 & (creditAmount < 
#>     7672.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00190288445, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     otherPaymentPlans_none >= 0.5 & (creditAmount < 2295.5 | 
#>     is.na(creditAmount)) & residenceSince >= 1.5 & (creditAmount < 
#>     7672.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00454040803, residenceSince >= 2.5 & otherPaymentPlans_none >= 
#>     0.5 & (creditAmount < 2295.5 | is.na(creditAmount)) & residenceSince >= 
#>     1.5 & (creditAmount < 7672.5 | is.na(creditAmount)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00276683713, (age < 32.5 | is.na(age)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & creditAmount >= 2295.5 & residenceSince >= 
#>     1.5 & (creditAmount < 7672.5 | is.na(creditAmount)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00153123052, age >= 32.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     creditAmount >= 2295.5 & residenceSince >= 1.5 & (creditAmount < 
#>     7672.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00545582082, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     residenceSince >= 2.5 & creditAmount >= 2295.5 & residenceSince >= 
#>     1.5 & (creditAmount < 7672.5 | is.na(creditAmount)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00269090384, creditHistory_critical.other.existing.credit >= 
#>     0.5 & residenceSince >= 2.5 & creditAmount >= 2295.5 & residenceSince >= 
#>     1.5 & (creditAmount < 7672.5 | is.na(creditAmount)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & personalStatus_male.single >= 
#>     0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00762155931) + case_when((personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & employment_X..7 >= 
#>     0.5 ~ -0.00773699814, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     installmentCommitment >= 2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 
#>     -0.00236183172, creditHistory_critical.other.existing.credit >= 
#>     0.5 & personalStatus_male.single >= 0.5 & employment_X..7 >= 
#>     0.5 ~ -0.00774431881, (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & purpose_furniture.equipment >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.000793037121, 
#>     personalStatus_female.div.dep.mar >= 0.5 & purpose_furniture.equipment >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.00710402988, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & employment_X..7 >= 
#>         0.5 ~ 0.0001562822, checkingStatus_X.0 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & employment_X..7 >= 
#>         0.5 ~ 0.00660920888, residenceSince >= 3.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ -0.00784882251, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ -0.0106734969, 
#>     residenceSince >= 3.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ -0.0019637011, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         residenceSince >= 1.5 & installmentCommitment >= 2.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.0103270384, 
#>     (creditAmount < 1977.5 | is.na(creditAmount)) & savingsStatus_no.known.savings >= 
#>         0.5 & residenceSince >= 1.5 & installmentCommitment >= 
#>         2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 
#>         0.000983264646, creditAmount >= 1977.5 & savingsStatus_no.known.savings >= 
#>         0.5 & residenceSince >= 1.5 & installmentCommitment >= 
#>         2.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 
#>         -0.00298646023, creditAmount >= 6845 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ 0.00680984976, (age < 
#>         31.5 | is.na(age)) & (creditAmount < 6845 | is.na(creditAmount)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ 0.00131537777, age >= 
#>         31.5 & (creditAmount < 6845 | is.na(creditAmount)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ -0.00553587917, checkingStatus_X.0 >= 
#>         0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         otherPaymentPlans_none >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 2.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ 0.00207847822, personalStatus_male.single >= 
#>         0.5 & residenceSince >= 2.5 & otherPaymentPlans_none >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         residenceSince >= 1.5 & installmentCommitment >= 2.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ -0.00299028982, 
#>     (creditAmount < 1832 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & otherPaymentPlans_none >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         residenceSince >= 1.5 & installmentCommitment >= 2.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.000914268719, 
#>     creditAmount >= 1832 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & otherPaymentPlans_none >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         residenceSince >= 1.5 & installmentCommitment >= 2.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.00990552921, 
#>     (creditAmount < 1378.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & residenceSince >= 
#>         2.5 & otherPaymentPlans_none >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 2.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ 0.00415122835, creditAmount >= 
#>         1378.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         residenceSince >= 2.5 & otherPaymentPlans_none >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         residenceSince >= 1.5 & installmentCommitment >= 2.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.000880253152) + 
#>     case_when(housing_own >= 0.5 & propertyMagnitude_no.known.property >= 
#>         0.5 ~ 0.00783164706, duration >= 47.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00902589317, 
#>         age >= 32.5 & savingsStatus_no.known.savings >= 0.5 & 
#>             (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.000997853815, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & propertyMagnitude_no.known.property >= 
#>             0.5 ~ -0.00505215209, savingsStatus_X..1000 >= 0.5 & 
#>             (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.00911702774, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (age < 32.5 | is.na(age)) & savingsStatus_no.known.savings >= 
#>             0.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>             is.na(propertyMagnitude_no.known.property)) ~ -0.00957693812, 
#>         propertyMagnitude_car >= 0.5 & (age < 32.5 | is.na(age)) & 
#>             savingsStatus_no.known.savings >= 0.5 & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.00332001271, (age < 37.5 | is.na(age)) & installmentCommitment >= 
#>             2.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             propertyMagnitude_no.known.property >= 0.5 ~ 0.0083199665, 
#>         age >= 37.5 & installmentCommitment >= 2.5 & (housing_own < 
#>             0.5 | is.na(housing_own)) & propertyMagnitude_no.known.property >= 
#>             0.5 ~ 0.00213840301, checkingStatus_X.0 >= 0.5 & 
#>             purpose_radio.tv >= 0.5 & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (duration < 
#>             47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             0.00285495003, creditAmount >= 6732 & creditAmount >= 
#>             3573 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             0.00410926621, (creditAmount < 1934 | is.na(creditAmount)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             purpose_radio.tv >= 0.5 & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (duration < 
#>             47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.00931450725, creditAmount >= 1934 & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & purpose_radio.tv >= 
#>             0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.00413654931, (creditAmount < 1377 | is.na(creditAmount)) & 
#>             (creditAmount < 1906.5 | is.na(creditAmount)) & (creditAmount < 
#>             3573 | is.na(creditAmount)) & (purpose_radio.tv < 
#>             0.5 | is.na(purpose_radio.tv)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (duration < 
#>             47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             0.00267093116, creditAmount >= 1377 & (creditAmount < 
#>             1906.5 | is.na(creditAmount)) & (creditAmount < 3573 | 
#>             is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>             is.na(purpose_radio.tv)) & (savingsStatus_X..1000 < 
#>             0.5 | is.na(savingsStatus_X..1000)) & (duration < 
#>             47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.00629329309, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             creditAmount >= 1906.5 & (creditAmount < 3573 | is.na(creditAmount)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             0.000467246311, savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>             1906.5 & (creditAmount < 3573 | is.na(creditAmount)) & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             0.00725884177, (checkingStatus_X0..X.200 < 0.5 | 
#>             is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>             6732 | is.na(creditAmount)) & creditAmount >= 3573 & 
#>             (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.00969476067, checkingStatus_X0..X.200 >= 0.5 & 
#>             (creditAmount < 6732 | is.na(creditAmount)) & creditAmount >= 
#>             3573 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>             (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (propertyMagnitude_no.known.property < 
#>             0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>             -0.00253570243) + case_when((duration < 11 | is.na(duration)) & 
#>     (creditAmount < 953.5 | is.na(creditAmount)) ~ -1.28571173e-05, 
#>     duration >= 11 & (creditAmount < 953.5 | is.na(creditAmount)) ~ 
#>         0.00633779261, purpose_used.car >= 0.5 & creditAmount >= 
#>         953.5 ~ -0.00836216658, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 
#>         -0.00503872428, employment_X1..X.4 >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 0.00394902471, 
#>     purpose_furniture.equipment >= 0.5 & installmentCommitment >= 
#>         2.5 & (housing_own < 0.5 | is.na(housing_own)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 
#>         -0.000681492675, purpose_furniture.equipment >= 0.5 & 
#>         residenceSince >= 2.5 & housing_own >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 
#>         -0.000194804365, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         installmentCommitment >= 2.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 953.5 ~ 0.0100382399, ownTelephone_yes >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         installmentCommitment >= 2.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 953.5 ~ 0.00213222532, purpose_new.car >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & housing_own >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 953.5 ~ 0.00263659027, (creditAmount < 
#>         1947.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & residenceSince >= 
#>         2.5 & housing_own >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 953.5 ~ -0.00103859103, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & housing_own >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 
#>         -0.00924092624, purpose_furniture.equipment >= 0.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & housing_own >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 
#>         -0.000227760538, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         ownTelephone_yes >= 0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 953.5 ~ 0.00224695099, employment_X1..X.4 >= 
#>         0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         ownTelephone_yes >= 0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         housing_own >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 953.5 ~ -0.00259583769, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditHistory_existing.paid >= 
#>         0.5 & ownTelephone_yes >= 0.5 & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & housing_own >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 
#>         0.010875755, personalStatus_male.single >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & ownTelephone_yes >= 0.5 & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & housing_own >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 953.5 ~ 
#>         0.00365588348, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1947.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & residenceSince >= 
#>         2.5 & housing_own >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 953.5 ~ -0.00345195318, 
#>     ownTelephone_none >= 0.5 & creditAmount >= 1947.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & residenceSince >= 
#>         2.5 & housing_own >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 953.5 ~ -0.00882811472) + 
#>     case_when((creditAmount < 7032 | is.na(creditAmount)) & purpose_used.car >= 
#>         0.5 ~ -0.00897056516, creditAmount >= 7032 & purpose_used.car >= 
#>         0.5 ~ 0.00268157478, (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & (creditAmount < 838.5 | 
#>         is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00319230929, job_unskilled.resident >= 0.5 & (creditAmount < 
#>         838.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00756624201, personalStatus_male.div.sep >= 
#>         0.5 & creditAmount >= 838.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00705568166, propertyMagnitude_car >= 
#>         0.5 & (duration < 17 | is.na(duration)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000790037739, creditAmount >= 3473 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (duration < 17 | 
#>         is.na(duration)) & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000510750862, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         employment_X4..X.7 >= 0.5 & duration >= 17 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00113805744, propertyMagnitude_car >= 0.5 & employment_X4..X.7 >= 
#>         0.5 & duration >= 17 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00607418828, numDependents >= 1.5 & (creditAmount < 
#>         3415 | is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & duration >= 17 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0113241011, (age < 30.5 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         3473 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (duration < 17 | 
#>         is.na(duration)) & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000838111155, age >= 30.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         3473 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (duration < 17 | 
#>         is.na(duration)) & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00509633543, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         installmentCommitment >= 2.5 & (creditAmount < 3473 | 
#>         is.na(creditAmount)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (duration < 17 | is.na(duration)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         creditAmount >= 838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.010152434, purpose_new.car >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditAmount < 3473 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (duration < 17 | 
#>         is.na(duration)) & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00367855444, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         3415 | is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & duration >= 17 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000363067986, employment_X1..X.4 >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 3415 | 
#>         is.na(creditAmount)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         duration >= 17 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00679068593, (age < 29.5 | is.na(age)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 
#>         3415 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         duration >= 17 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00238268753, age >= 29.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 
#>         3415 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         duration >= 17 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00676956819, (creditAmount < 4658.5 | is.na(creditAmount)) & 
#>         propertyMagnitude_car >= 0.5 & creditAmount >= 3415 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         duration >= 17 & (personalStatus_male.div.sep < 0.5 | 
#>         is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00145532109, creditAmount >= 4658.5 & propertyMagnitude_car >= 
#>         0.5 & creditAmount >= 3415 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & duration >= 17 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>         838.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00433672545) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 ~ 0.0080707008, (creditAmount < 687 | is.na(creditAmount)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>     -0.00887327176, age >= 24.5 & (age < 25.5 | is.na(age)) & 
#>     creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00860706437, 
#>     creditHistory_all.paid >= 0.5 & age >= 25.5 & creditAmount >= 
#>         687 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00516348844, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (age < 24.5 | is.na(age)) & (age < 25.5 | is.na(age)) & 
#>         creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.006868653, 
#>     (creditAmount < 1623.5 | is.na(creditAmount)) & job_skilled >= 
#>         0.5 & (age < 24.5 | is.na(age)) & (age < 25.5 | is.na(age)) & 
#>         creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00145922147, 
#>     (duration < 9.5 | is.na(duration)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00264131604, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 1623.5 & job_skilled >= 0.5 & (age < 
#>         24.5 | is.na(age)) & (age < 25.5 | is.na(age)) & creditAmount >= 
#>         687 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         2.14381143e-05, personalStatus_female.div.dep.mar >= 
#>         0.5 & creditAmount >= 1623.5 & job_skilled >= 0.5 & (age < 
#>         24.5 | is.na(age)) & (age < 25.5 | is.na(age)) & creditAmount >= 
#>         687 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>         0.00650967984, creditAmount >= 8134 & duration >= 9.5 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00212408579, 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         job_unskilled.resident >= 0.5 & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00171276461, 
#>     checkingStatus_no.checking >= 0.5 & job_unskilled.resident >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.00660858396, 
#>     (creditAmount < 2730 | is.na(creditAmount)) & (creditAmount < 
#>         8134 | is.na(creditAmount)) & duration >= 9.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00431705685, 
#>     creditAmount >= 2730 & (creditAmount < 8134 | is.na(creditAmount)) & 
#>         duration >= 9.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00939156394, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (creditAmount < 
#>         3908 | is.na(creditAmount)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00520534022, 
#>     existingCredits >= 1.5 & (creditAmount < 3908 | is.na(creditAmount)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.000588011579, 
#>     (creditAmount < 4709 | is.na(creditAmount)) & creditAmount >= 
#>         3908 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & age >= 25.5 & 
#>         creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 0.0060916231, 
#>     creditAmount >= 4709 & creditAmount >= 3908 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & installmentCommitment >= 
#>         2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         age >= 25.5 & creditAmount >= 687 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) ~ -0.00125244516) + 
#>     case_when(purpose_new.car >= 0.5 & employment_X4..X.7 >= 
#>         0.5 ~ 0.00233984157, purpose_used.car >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.0039591603, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & employment_X4..X.7 >= 
#>         0.5 ~ -0.00900304876, checkingStatus_X..200 >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00423297612, (age < 34.5 | is.na(age)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00321715674, age >= 34.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00294001983, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         job_skilled >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.000933467178, savingsStatus_X.100 >= 0.5 & job_skilled >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00702733872, (age < 29 | is.na(age)) & ownTelephone_none >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         employment_X4..X.7 >= 0.5 ~ 0.00206771563, age >= 29 & 
#>         ownTelephone_none >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         employment_X4..X.7 >= 0.5 ~ -0.0070925355, employment_X..7 >= 
#>         0.5 & propertyMagnitude_real.estate >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00366100459, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         otherPaymentPlans_bank >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00267103617, employment_X..7 >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00615214929, (duration < 16.5 | is.na(duration)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00363324047, duration >= 16.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & propertyMagnitude_real.estate >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00437713508, (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00833530724, personalStatus_male.div.sep >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00212028972, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         employment_X..7 >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00147223659, ownTelephone_none >= 0.5 & employment_X..7 >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00385450502) + case_when(otherPaymentPlans_bank >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00340646855, 
#>     creditAmount >= 8372 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00455216598, creditAmount >= 1851.5 & employment_X..7 >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.0081484057, creditHistory_delayed.previously >= 0.5 & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ 0.00329256081, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (creditAmount < 1851.5 | 
#>         is.na(creditAmount)) & employment_X..7 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00487433048, 
#>     existingCredits >= 1.5 & (creditAmount < 1851.5 | is.na(creditAmount)) & 
#>         employment_X..7 >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00390375755, 
#>     creditAmount >= 2295.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00846103672, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditAmount < 8372 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.0089753503, 
#>     savingsStatus_X100..X.500 >= 0.5 & ownTelephone_none >= 0.5 & 
#>         (creditAmount < 8372 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00656649377, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditAmount < 2295.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00499101868, creditHistory_existing.paid >= 
#>         0.5 & (creditAmount < 2295.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00128146587, checkingStatus_X0..X.200 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditAmount < 8372 | 
#>         is.na(creditAmount)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00525786215, (creditAmount < 3014 | is.na(creditAmount)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & (creditAmount < 8372 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00209387462, 
#>     creditAmount >= 3014 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & savingsStatus_X.100 >= 
#>         0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditAmount < 8372 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00291415979, 
#>     (creditAmount < 1919.5 | is.na(creditAmount)) & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 8372 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00818016008, 
#>     (duration < 16.5 | is.na(duration)) & (housing_own < 0.5 | 
#>         is.na(housing_own)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & ownTelephone_none >= 
#>         0.5 & (creditAmount < 8372 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00271093007, 
#>     duration >= 16.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 8372 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00706325378, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         housing_own >= 0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 8372 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00157321966, 
#>     propertyMagnitude_life.insurance >= 0.5 & housing_own >= 
#>         0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 8372 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00862611178, 
#>     (duration < 29 | is.na(duration)) & creditAmount >= 1919.5 & 
#>         propertyMagnitude_car >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & ownTelephone_none >= 
#>         0.5 & (creditAmount < 8372 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 1.08865806e-05, 
#>     duration >= 29 & creditAmount >= 1919.5 & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 8372 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00105798687) + 
#>     case_when(creditHistory_all.paid >= 0.5 & (duration < 17 | 
#>         is.na(duration)) ~ 0.00539385248, age >= 43.5 & creditAmount >= 
#>         5096.5 & duration >= 17 ~ 0.00461692084, personalStatus_male.single >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 17 | is.na(duration)) ~ -0.00976951886, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & numDependents >= 1.5 & (creditAmount < 
#>         5096.5 | is.na(creditAmount)) & duration >= 17 ~ 0.0131050395, 
#>         job_skilled >= 0.5 & numDependents >= 1.5 & (creditAmount < 
#>             5096.5 | is.na(creditAmount)) & duration >= 17 ~ 
#>             0.00418547355, (creditAmount < 7720.5 | is.na(creditAmount)) & 
#>             (age < 43.5 | is.na(age)) & creditAmount >= 5096.5 & 
#>             duration >= 17 ~ -0.00965059642, (age < 28.5 | is.na(age)) & 
#>             (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.00442384882, 
#>         age >= 28.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 17 | is.na(duration)) ~ 0.000951193331, 
#>         (creditAmount < 1257 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.00671151746, 
#>         creditAmount >= 1257 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.00160950795, 
#>         age >= 42.5 & personalStatus_male.single >= 0.5 & installmentCommitment >= 
#>             2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 17 | is.na(duration)) ~ -0.000223624957, 
#>         age >= 44 & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>             5096.5 | is.na(creditAmount)) & duration >= 17 ~ 
#>             -0.00377346179, (creditAmount < 2760 | is.na(creditAmount)) & 
#>             creditHistory_critical.other.existing.credit >= 0.5 & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>             5096.5 | is.na(creditAmount)) & duration >= 17 ~ 
#>             -0.00630398188, creditAmount >= 2760 & creditHistory_critical.other.existing.credit >= 
#>             0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (creditAmount < 5096.5 | is.na(creditAmount)) & duration >= 
#>             17 ~ 0.000947685447, (age < 29.5 | is.na(age)) & 
#>             creditAmount >= 7720.5 & (age < 43.5 | is.na(age)) & 
#>             creditAmount >= 5096.5 & duration >= 17 ~ 0.00701562501, 
#>         age >= 29.5 & creditAmount >= 7720.5 & (age < 43.5 | 
#>             is.na(age)) & creditAmount >= 5096.5 & duration >= 
#>             17 ~ -0.00450505037, (creditAmount < 1513.5 | is.na(creditAmount)) & 
#>             (age < 42.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (duration < 
#>             17 | is.na(duration)) ~ 0.0106556918, creditAmount >= 
#>             1513.5 & (age < 42.5 | is.na(age)) & personalStatus_male.single >= 
#>             0.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (duration < 
#>             17 | is.na(duration)) ~ 0.000595461112, (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (age < 
#>             44 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>             5096.5 | is.na(creditAmount)) & duration >= 17 ~ 
#>             0.0030170579, installmentCommitment >= 2.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & (age < 
#>             44 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>             5096.5 | is.na(creditAmount)) & duration >= 17 ~ 
#>             0.00991165452, (creditHistory_existing.paid < 0.5 | 
#>             is.na(creditHistory_existing.paid)) & personalStatus_male.single >= 
#>             0.5 & (age < 44 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>             0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>             5096.5 | is.na(creditAmount)) & duration >= 17 ~ 
#>             0.00553848827, creditHistory_existing.paid >= 0.5 & 
#>             personalStatus_male.single >= 0.5 & (age < 44 | is.na(age)) & 
#>             (creditHistory_critical.other.existing.credit < 0.5 | 
#>                 is.na(creditHistory_critical.other.existing.credit)) & 
#>             (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>             5096.5 | is.na(creditAmount)) & duration >= 17 ~ 
#>             -0.00175940315) + case_when(purpose_used.car >= 0.5 & 
#>     (creditAmount < 6719.5 | is.na(creditAmount)) ~ -0.0108745703, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         creditAmount >= 6719.5 ~ -0.00154175994, (creditAmount < 
#>         653 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 6719.5 | is.na(creditAmount)) ~ 
#>         -0.0102707958, (creditAmount < 8487 | is.na(creditAmount)) & 
#>         otherPaymentPlans_none >= 0.5 & creditAmount >= 6719.5 ~ 
#>         0.0101763774, creditAmount >= 8487 & otherPaymentPlans_none >= 
#>         0.5 & creditAmount >= 6719.5 ~ 0.000565676659, savingsStatus_X..1000 >= 
#>         0.5 & creditAmount >= 653 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (creditAmount < 6719.5 | is.na(creditAmount)) ~ 
#>         -0.00924403127, housing_for.free >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ -0.00442820136, 
#>     (creditAmount < 2051 | is.na(creditAmount)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & purpose_radio.tv >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         creditAmount >= 653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ 0.00219633733, 
#>     creditAmount >= 2051 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         purpose_radio.tv >= 0.5 & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & creditAmount >= 653 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ 0.000143474143, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & ownTelephone_none >= 
#>         0.5 & purpose_radio.tv >= 0.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ -0.00804500002, 
#>     residenceSince >= 2.5 & ownTelephone_none >= 0.5 & purpose_radio.tv >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         creditAmount >= 653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ -0.000380299578, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ 0.000311940501, 
#>     checkingStatus_X.0 >= 0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         creditAmount >= 653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ 0.00722258445, 
#>     (duration < 15 | is.na(duration)) & numDependents >= 1.5 & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         creditAmount >= 653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ -0.00604696386, 
#>     duration >= 15 & numDependents >= 1.5 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         653 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 6719.5 | is.na(creditAmount)) ~ 0.00126945274) + 
#>     case_when(creditHistory_no.credits.all.paid >= 0.5 ~ 0.00817178097, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             checkingStatus_X.0 >= 0.5 & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00377924484, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             ownTelephone_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00755779119, employment_X1..X.4 >= 0.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & ownTelephone_none >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.000298084255, 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (age < 29.5 | is.na(age)) & (checkingStatus_X.0 < 
#>             0.5 | is.na(checkingStatus_X.0)) & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.000464800891, propertyMagnitude_car >= 0.5 & (age < 
#>             29.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             8.98291692e-05, (duration < 22.5 | is.na(duration)) & 
#>             savingsStatus_X.100 >= 0.5 & checkingStatus_X.0 >= 
#>             0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00721831713, duration >= 22.5 & savingsStatus_X.100 >= 
#>             0.5 & checkingStatus_X.0 >= 0.5 & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00212015188, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             housing_rent >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>             ownTelephone_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00760790799, savingsStatus_X.100 >= 0.5 & housing_rent >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & ownTelephone_none >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.000846007082, 
#>         (creditAmount < 1895.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & age >= 
#>             29.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00266781775, (duration < 19.5 | is.na(duration)) & 
#>             job_high.qualif.self.emp.mgmt >= 0.5 & age >= 29.5 & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -9.45852207e-06, duration >= 19.5 & job_high.qualif.self.emp.mgmt >= 
#>             0.5 & age >= 29.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00370713044, (creditAmount < 1215 | is.na(creditAmount)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>             0.5 & ownTelephone_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00373726501, (creditAmount < 2521 | is.na(creditAmount)) & 
#>             propertyMagnitude_life.insurance >= 0.5 & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>             0.5 & ownTelephone_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00840885378, creditAmount >= 2521 & propertyMagnitude_life.insurance >= 
#>             0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             otherPaymentPlans_none >= 0.5 & ownTelephone_none >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.00124234403, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             creditAmount >= 1895.5 & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & age >= 
#>             29.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00914611761, creditHistory_existing.paid >= 0.5 & 
#>             creditAmount >= 1895.5 & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & age >= 
#>             29.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00374933262, existingCredits >= 1.5 & creditAmount >= 
#>             1215 & (propertyMagnitude_life.insurance < 0.5 | 
#>             is.na(propertyMagnitude_life.insurance)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>             0.5 & ownTelephone_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00321405218, (age < 25.5 | is.na(age)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & creditAmount >= 1215 & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>             0.5 & ownTelephone_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00256894017, age >= 25.5 & (existingCredits < 1.5 | 
#>             is.na(existingCredits)) & creditAmount >= 1215 & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & otherPaymentPlans_none >= 
#>             0.5 & ownTelephone_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00692594098) + case_when(creditAmount >= 10918 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00695866998, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     creditHistory_all.paid >= 0.5 ~ 0.00298833544, otherPaymentPlans_none >= 
#>     0.5 & creditHistory_all.paid >= 0.5 ~ 0.00851930398, (duration < 
#>     8.5 | is.na(duration)) & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00776234083, purpose_new.car >= 0.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & duration >= 8.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00821277872, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & duration >= 8.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00662944699, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00912346505, savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0034770791, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     otherPaymentPlans_none >= 0.5 & duration >= 8.5 & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00560878869, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & installmentCommitment >= 2.5 & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     otherPaymentPlans_none >= 0.5 & duration >= 8.5 & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00485611241, (age < 
#>     32 | is.na(age)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     employment_X1..X.4 >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>     duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0032613331, age >= 32 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     employment_X1..X.4 >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>     duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00375563023, (age < 29 | is.na(age)) & ownTelephone_none >= 
#>     0.5 & employment_X1..X.4 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 & duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00690303184, age >= 29 & ownTelephone_none >= 0.5 & employment_X1..X.4 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & duration >= 8.5 & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.000315934216, (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>     1.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     otherPaymentPlans_none >= 0.5 & duration >= 8.5 & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00916508213, propertyMagnitude_life.insurance >= 
#>     0.5 & residenceSince >= 1.5 & (installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 0.5 & 
#>     duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00250011263, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     residenceSince >= 1.5 & installmentCommitment >= 2.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 
#>     0.5 & duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000141998011, savingsStatus_X.100 >= 0.5 & residenceSince >= 
#>     1.5 & installmentCommitment >= 2.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 
#>     0.5 & duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00550500024) + case_when((age < 23.5 | is.na(age)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.00187278073, residenceSince >= 2.5 & otherPaymentPlans_bank >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.00308484002, propertyMagnitude_real.estate >= 0.5 & age >= 
#>     23.5 & checkingStatus_X.0 >= 0.5 ~ -0.000403517392, (duration < 
#>     21 | is.na(duration)) & savingsStatus_X100..X.500 >= 0.5 & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00566413254, duration >= 21 & savingsStatus_X100..X.500 >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     -0.000911696989, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & otherPaymentPlans_bank >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.00184648496, personalStatus_male.single >= 0.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & otherPaymentPlans_bank >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>     0.0112243723, creditHistory_critical.other.existing.credit >= 
#>     0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     age >= 23.5 & checkingStatus_X.0 >= 0.5 ~ -0.00335169816, 
#>     (creditAmount < 1536 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.000712163514, (creditAmount < 
#>         1329.5 | is.na(creditAmount)) & installmentCommitment >= 
#>         3.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.0064517688, personalStatus_female.div.dep.mar >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         age >= 23.5 & checkingStatus_X.0 >= 0.5 ~ 0.00206176355, 
#>     (creditAmount < 3985 | is.na(creditAmount)) & creditAmount >= 
#>         1536 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00991482753, (creditAmount < 3398 | is.na(creditAmount)) & 
#>         creditAmount >= 1329.5 & installmentCommitment >= 3.5 & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00618236186, creditAmount >= 3398 & creditAmount >= 
#>         1329.5 & installmentCommitment >= 3.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00363658299, (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         age >= 23.5 & checkingStatus_X.0 >= 0.5 ~ 0.0111452267, 
#>     employment_X4..X.7 >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         age >= 23.5 & checkingStatus_X.0 >= 0.5 ~ 0.00034657988, 
#>     (duration < 25.5 | is.na(duration)) & creditAmount >= 3985 & 
#>         creditAmount >= 1536 & (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.000997046824, duration >= 
#>         25.5 & creditAmount >= 3985 & creditAmount >= 1536 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00842925254) + case_when(employment_unemployed >= 
#>     0.5 & (housing_own < 0.5 | is.na(housing_own)) ~ -0.00545259751, 
#>     otherParties_guarantor >= 0.5 & housing_own >= 0.5 ~ -0.00878914353, 
#>     duration >= 43.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ 0.0106164599, 
#>     purpose_used.car >= 0.5 & (duration < 43.5 | is.na(duration)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ -0.00324154552, 
#>     purpose_used.car >= 0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ -0.00656262599, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & purpose_business >= 0.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ -0.00318600563, residenceSince >= 
#>         2.5 & purpose_business >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ -0.00999183953, (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (duration < 43.5 | is.na(duration)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (housing_own < 
#>         0.5 | is.na(housing_own)) ~ 0.00970641151, duration >= 
#>         41 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ -0.00598281529, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & housing_rent >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (duration < 43.5 | is.na(duration)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (housing_own < 
#>         0.5 | is.na(housing_own)) ~ -0.00251317606, (duration < 
#>         7.5 | is.na(duration)) & (duration < 41 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ -0.0034989235, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & housing_rent >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (duration < 43.5 | is.na(duration)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) ~ 0.00935112592, 
#>     installmentCommitment >= 3.5 & savingsStatus_X.100 >= 0.5 & 
#>         housing_rent >= 0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (duration < 43.5 | is.na(duration)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & (housing_own < 
#>         0.5 | is.na(housing_own)) ~ 0.000212750238, (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (creditAmount < 2110.5 | 
#>         is.na(creditAmount)) & duration >= 7.5 & (duration < 
#>         41 | is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ 0.00629850384, employment_X..7 >= 
#>         0.5 & (creditAmount < 2110.5 | is.na(creditAmount)) & 
#>         duration >= 7.5 & (duration < 41 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ -0.00162105309, (creditAmount < 
#>         2393.5 | is.na(creditAmount)) & creditAmount >= 2110.5 & 
#>         duration >= 7.5 & (duration < 41 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ -0.00493490743, creditAmount >= 
#>         2393.5 & creditAmount >= 2110.5 & duration >= 7.5 & (duration < 
#>         41 | is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ 0.00205455068) + case_when(creditAmount >= 
#>     10918 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00657555647, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     creditHistory_all.paid >= 0.5 ~ 0.00135197828, checkingStatus_X.0 >= 
#>     0.5 & creditHistory_all.paid >= 0.5 ~ 0.00855413452, otherParties_guarantor >= 
#>     0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00730481371, employment_X.1 >= 
#>     0.5 & ownTelephone_yes >= 0.5 & (creditAmount < 10918 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00413985411, propertyMagnitude_real.estate >= 0.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & ownTelephone_yes >= 0.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.000797852641, job_unskilled.resident >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00849599857, numDependents >= 
#>     1.5 & installmentCommitment >= 2.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00991837028, purpose_business >= 0.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & ownTelephone_yes >= 0.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.000932694587, employment_X1..X.4 >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0037291029, checkingStatus_X.0 >= 
#>     0.5 & (numDependents < 1.5 | is.na(numDependents)) & installmentCommitment >= 
#>     2.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00696013635, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 0.5 | 
#>     is.na(purpose_business)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & ownTelephone_yes >= 0.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00835572369, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00167600298, propertyMagnitude_car >= 0.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditAmount < 10918 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00767114013, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & installmentCommitment >= 
#>     2.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00639855023, checkingStatus_X0..X.200 >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & installmentCommitment >= 
#>     2.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>     10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00698623527, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 0.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & ownTelephone_yes >= 0.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00842026994, job_skilled >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (purpose_business < 0.5 | 
#>     is.na(purpose_business)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & ownTelephone_yes >= 0.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00157533295) + case_when((duration < 
#>     22.5 | is.na(duration)) & employment_X4..X.7 >= 0.5 ~ -0.00973552186, 
#>     (creditAmount < 708.5 | is.na(creditAmount)) & housing_own >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00921057165, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         duration >= 22.5 & employment_X4..X.7 >= 0.5 ~ -0.0054617296, 
#>     checkingStatus_X.0 >= 0.5 & duration >= 22.5 & employment_X4..X.7 >= 
#>         0.5 ~ 0.00335974293, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (creditAmount < 2078 | is.na(creditAmount)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ -0.00430707727, housing_for.free >= 
#>         0.5 & (creditAmount < 2078 | is.na(creditAmount)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ 0.00563724199, (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>         2078 & (housing_own < 0.5 | is.na(housing_own)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00782599207, savingsStatus_no.known.savings >= 
#>         0.5 & creditAmount >= 2078 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.0011768752, employment_unemployed >= 0.5 & creditAmount >= 
#>         708.5 & housing_own >= 0.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ 0.00738702854, (creditAmount < 
#>         1038.5 | is.na(creditAmount)) & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & creditAmount >= 
#>         708.5 & housing_own >= 0.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ 0.00436960068, (age < 28.5 | 
#>         is.na(age)) & ownTelephone_yes >= 0.5 & creditAmount >= 
#>         1038.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         creditAmount >= 708.5 & housing_own >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00842367485, (duration < 
#>         25.5 | is.na(duration)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 1038.5 & (employment_unemployed < 0.5 | 
#>         is.na(employment_unemployed)) & creditAmount >= 708.5 & 
#>         housing_own >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00673180027, duration >= 25.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & creditAmount >= 1038.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & creditAmount >= 
#>         708.5 & housing_own >= 0.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ -0.00124463416, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & purpose_new.car >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 1038.5 & (employment_unemployed < 0.5 | 
#>         is.na(employment_unemployed)) & creditAmount >= 708.5 & 
#>         housing_own >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00055357418, employment_X1..X.4 >= 0.5 & purpose_new.car >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 1038.5 & (employment_unemployed < 0.5 | 
#>         is.na(employment_unemployed)) & creditAmount >= 708.5 & 
#>         housing_own >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00322385691, (creditAmount < 3708 | is.na(creditAmount)) & 
#>         age >= 28.5 & ownTelephone_yes >= 0.5 & creditAmount >= 
#>         1038.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         creditAmount >= 708.5 & housing_own >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.00530302199, creditAmount >= 
#>         3708 & age >= 28.5 & ownTelephone_yes >= 0.5 & creditAmount >= 
#>         1038.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         creditAmount >= 708.5 & housing_own >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00293015689) + case_when(checkingStatus_X..200 >= 
#>     0.5 ~ -0.00715630688, purpose_education >= 0.5 & (creditAmount < 
#>     3783.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00657478534, creditHistory_delayed.previously >= 
#>     0.5 & creditAmount >= 3783.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ -0.00548358774, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     3783.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.0036004521, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (creditAmount < 
#>     3783.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00573536754, (age < 
#>     22.5 | is.na(age)) & otherPaymentPlans_none >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (creditAmount < 3783.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00324891554, (age < 31.5 | is.na(age)) & job_skilled >= 
#>     0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (creditAmount < 
#>     3783.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00381104229, age >= 
#>     31.5 & job_skilled >= 0.5 & (otherPaymentPlans_none < 0.5 | 
#>     is.na(otherPaymentPlans_none)) & (purpose_education < 0.5 | 
#>     is.na(purpose_education)) & (creditAmount < 3783.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00104470341, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     3783.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00912326016, employment_X1..X.4 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & residenceSince >= 
#>     1.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     creditAmount >= 3783.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00267332955, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     checkingStatus_no.checking >= 0.5 & residenceSince >= 1.5 & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     creditAmount >= 3783.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00100326317, employment_X1..X.4 >= 0.5 & checkingStatus_no.checking >= 
#>     0.5 & residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & creditAmount >= 
#>     3783.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00622313796, employment_X..7 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 & 
#>     otherPaymentPlans_none >= 0.5 & (purpose_education < 0.5 | 
#>     is.na(purpose_education)) & (creditAmount < 3783.5 | is.na(creditAmount)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00687343534, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     checkingStatus_no.checking >= 0.5 & age >= 22.5 & otherPaymentPlans_none >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (creditAmount < 3783.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.0090423217, residenceSince >= 
#>     3.5 & checkingStatus_no.checking >= 0.5 & age >= 22.5 & otherPaymentPlans_none >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (creditAmount < 3783.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.000804931449, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     age >= 22.5 & otherPaymentPlans_none >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (creditAmount < 3783.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00352301565, job_skilled >= 0.5 & (employment_X..7 < 0.5 | 
#>     is.na(employment_X..7)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & age >= 22.5 & otherPaymentPlans_none >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (creditAmount < 3783.5 | is.na(creditAmount)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00176057359) + case_when(personalStatus_male.div.sep >= 
#>     0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>     0.00406699488, creditAmount >= 7619.5 & propertyMagnitude_no.known.property >= 
#>     0.5 ~ 0.0104485983, savingsStatus_X500..X.1000 >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.0092099607, 
#>     ownTelephone_none >= 0.5 & (creditAmount < 7619.5 | is.na(creditAmount)) & 
#>         propertyMagnitude_no.known.property >= 0.5 ~ 0.00420096051, 
#>     (creditAmount < 3358.5 | is.na(creditAmount)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditAmount < 7619.5 | 
#>         is.na(creditAmount)) & propertyMagnitude_no.known.property >= 
#>         0.5 ~ -0.000831035257, creditAmount >= 3358.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditAmount < 7619.5 | 
#>         is.na(creditAmount)) & propertyMagnitude_no.known.property >= 
#>         0.5 ~ -0.00852251612, numDependents >= 1.5 & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00627471553, savingsStatus_no.known.savings >= 0.5 & 
#>         (duration < 15.5 | is.na(duration)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.000385912834, 
#>     purpose_new.car >= 0.5 & duration >= 15.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00731904805, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & propertyMagnitude_car >= 0.5 & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00731693208, creditAmount >= 2178 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         15.5 | is.na(duration)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00296025863, 
#>     creditAmount >= 3418 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 15.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00835576653, (creditAmount < 1488 | is.na(creditAmount)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00363037735, (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (creditAmount < 
#>         2178 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         15.5 | is.na(duration)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.010810703, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (creditAmount < 
#>         2178 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         15.5 | is.na(duration)) & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00517176278, 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (creditAmount < 3418 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 15.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00507903704, 
#>     propertyMagnitude_life.insurance >= 0.5 & (creditAmount < 
#>         3418 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & duration >= 15.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X500..X.1000 < 
#>         0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00415964471, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & creditAmount >= 
#>         1488 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00540729938, existingCredits >= 1.5 & creditAmount >= 
#>         1488 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.000547324074) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00627712579, otherParties_co.applicant >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0058503882, creditHistory_no.credits.all.paid >= 
#>     0.5 & (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00585162733, personalStatus_male.div.sep >= 0.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherParties_co.applicant < 
#>     0.5 | is.na(otherParties_co.applicant)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0030447687, age >= 
#>     56.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00276252045, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     personalStatus_male.mar.wid >= 0.5 & (age < 56.5 | is.na(age)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00418638857, ownTelephone_yes >= 0.5 & personalStatus_male.mar.wid >= 
#>     0.5 & (age < 56.5 | is.na(age)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherParties_co.applicant < 
#>     0.5 | is.na(otherParties_co.applicant)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00381056569, (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (age < 33.5 | is.na(age)) & 
#>     (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     (age < 56.5 | is.na(age)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherParties_co.applicant < 
#>     0.5 | is.na(otherParties_co.applicant)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00433382997, existingCredits >= 
#>     1.5 & (age < 33.5 | is.na(age)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (age < 56.5 | 
#>     is.na(age)) & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000193833999, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     age >= 33.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     (age < 56.5 | is.na(age)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (otherParties_co.applicant < 
#>     0.5 | is.na(otherParties_co.applicant)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0089230556, housing_for.free >= 
#>     0.5 & age >= 33.5 & (personalStatus_male.mar.wid < 0.5 | 
#>     is.na(personalStatus_male.mar.wid)) & (age < 56.5 | is.na(age)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00249339361) + case_when(personalStatus_male.div.sep >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00853003189, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     purpose_used.car >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00134344038, personalStatus_male.single >= 0.5 & purpose_used.car >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00883326307, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     employment_X4..X.7 >= 0.5 ~ -0.0026632424, ownTelephone_yes >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     employment_X4..X.7 >= 0.5 ~ -0.00880755577, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & savingsStatus_X.100 >= 
#>     0.5 & employment_X4..X.7 >= 0.5 ~ 0.00622893777, personalStatus_male.single >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & employment_X4..X.7 >= 
#>     0.5 ~ -0.00287152873, (duration < 8.5 | is.na(duration)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00489354646, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (purpose_radio.tv < 0.5 | 
#>     is.na(purpose_radio.tv)) & duration >= 8.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.00209279871, creditAmount >= 
#>     2648.5 & purpose_radio.tv >= 0.5 & duration >= 8.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.00548840174, job_unskilled.resident >= 
#>     0.5 & (creditAmount < 2648.5 | is.na(creditAmount)) & purpose_radio.tv >= 
#>     0.5 & duration >= 8.5 & (personalStatus_male.div.sep < 0.5 | 
#>     is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.000898268481, (duration < 
#>     22.5 | is.na(duration)) & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     residenceSince >= 1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     duration >= 8.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.0101832272, duration >= 
#>     22.5 & (residenceSince < 2.5 | is.na(residenceSince)) & residenceSince >= 
#>     1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     duration >= 8.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -6.75407719e-05, (creditAmount < 
#>     6644 | is.na(creditAmount)) & residenceSince >= 2.5 & residenceSince >= 
#>     1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     duration >= 8.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.000421658187, creditAmount >= 
#>     6644 & residenceSince >= 2.5 & residenceSince >= 1.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & duration >= 8.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ 0.0081779575, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (creditAmount < 2648.5 | 
#>     is.na(creditAmount)) & purpose_radio.tv >= 0.5 & duration >= 
#>     8.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00685217232, installmentCommitment >= 
#>     3.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (creditAmount < 2648.5 | is.na(creditAmount)) & purpose_radio.tv >= 
#>     0.5 & duration >= 8.5 & (personalStatus_male.div.sep < 0.5 | 
#>     is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ 5.41510708e-05) + case_when(creditHistory_delayed.previously >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) ~ 0.00670822244, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & employment_X.1 >= 
#>     0.5 ~ -0.000558402215, residenceSince >= 2.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & employment_X.1 >= 
#>     0.5 ~ -2.49996592e-05, age >= 30.5 & creditHistory_existing.paid >= 
#>     0.5 & employment_X.1 >= 0.5 ~ 0.0107550621, employment_X..7 >= 
#>     0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00172174966, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00437996211, 
#>     (age < 25 | is.na(age)) & (age < 30.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & employment_X.1 >= 0.5 ~ 0.00685366755, age >= 25 & 
#>         (age < 30.5 | is.na(age)) & creditHistory_existing.paid >= 
#>         0.5 & employment_X.1 >= 0.5 ~ -0.000790802296, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.0106087066, ownTelephone_none >= 
#>         0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00498151314, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & residenceSince >= 
#>         2.5 & creditHistory_existing.paid >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ -0.0075623272, ownTelephone_none >= 
#>         0.5 & residenceSince >= 2.5 & creditHistory_existing.paid >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.000807550503, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>         1224 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00644720998, residenceSince >= 3.5 & (creditAmount < 
#>         1224 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00175247923, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         creditAmount >= 1224 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.00599604286, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         residenceSince >= 1.5 & creditAmount >= 1224 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.0118428813, residenceSince >= 3.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & residenceSince >= 
#>         1.5 & creditAmount >= 1224 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         0.00256270287, checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & residenceSince >= 1.5 & creditAmount >= 1224 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ 0.00192354957, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>         0.5 & residenceSince >= 1.5 & creditAmount >= 1224 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) ~ -0.00727305701, employment_X1..X.4 >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         otherPaymentPlans_none >= 0.5 & residenceSince >= 1.5 & 
#>         creditAmount >= 1224 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>         -0.000510650105) + case_when((duration < 8.5 | is.na(duration)) ~ 
#>     -0.00833177101, (creditAmount < 1341.5 | is.na(creditAmount)) & 
#>     housing_rent >= 0.5 & duration >= 8.5 ~ 0.00779216271, (age < 
#>     37.5 | is.na(age)) & (creditAmount < 834 | is.na(creditAmount)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>     8.5 ~ 0.0105968639, age >= 37.5 & (creditAmount < 834 | is.na(creditAmount)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>     8.5 ~ 0.00164091133, (duration < 15.5 | is.na(duration)) & 
#>     creditAmount >= 1341.5 & housing_rent >= 0.5 & duration >= 
#>     8.5 ~ -0.0043332777, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     housing_for.free >= 0.5 & creditAmount >= 834 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & duration >= 8.5 ~ -0.00253962353, 
#>     employment_X1..X.4 >= 0.5 & duration >= 15.5 & creditAmount >= 
#>         1341.5 & housing_rent >= 0.5 & duration >= 8.5 ~ 0.00719741499, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & creditAmount >= 834 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 ~ -0.00942097139, checkingStatus_X.0 >= 0.5 & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (housing_for.free < 0.5 | 
#>         is.na(housing_for.free)) & creditAmount >= 834 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & duration >= 8.5 ~ -0.000670653884, 
#>     (age < 23.5 | is.na(age)) & residenceSince >= 1.5 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & creditAmount >= 834 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 ~ 0.0044012065, (duration < 22.5 | is.na(duration)) & 
#>         residenceSince >= 3.5 & housing_for.free >= 0.5 & creditAmount >= 
#>         834 & (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 ~ 0.00764978025, duration >= 22.5 & residenceSince >= 
#>         3.5 & housing_for.free >= 0.5 & creditAmount >= 834 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 ~ 0.00278560095, (age < 26.5 | is.na(age)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & 
#>         creditAmount >= 1341.5 & housing_rent >= 0.5 & duration >= 
#>         8.5 ~ -0.0021662272, age >= 26.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & 
#>         creditAmount >= 1341.5 & housing_rent >= 0.5 & duration >= 
#>         8.5 ~ 0.00222246186, (age < 34.5 | is.na(age)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & age >= 23.5 & 
#>         residenceSince >= 1.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         creditAmount >= 834 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 ~ -0.00229786988, age >= 34.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & age >= 23.5 & 
#>         residenceSince >= 1.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         creditAmount >= 834 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 ~ 0.00530557241, (duration < 37.5 | is.na(duration)) & 
#>         otherPaymentPlans_none >= 0.5 & age >= 23.5 & residenceSince >= 
#>         1.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         creditAmount >= 834 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 ~ -0.00458210288, duration >= 37.5 & 
#>         otherPaymentPlans_none >= 0.5 & age >= 23.5 & residenceSince >= 
#>         1.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         creditAmount >= 834 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         duration >= 8.5 ~ 0.00272156717) + case_when(employment_unemployed >= 
#>     0.5 ~ 0.00792189967, creditHistory_all.paid >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.0064244573, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & employment_X4..X.7 >= 0.5 & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     -0.00258388929, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     residenceSince >= 1.5 & employment_X4..X.7 >= 0.5 & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00387972384, ownTelephone_none >= 
#>     0.5 & residenceSince >= 1.5 & employment_X4..X.7 >= 0.5 & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     -0.00912815239, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (age < 27.5 | is.na(age)) & (creditAmount < 1341.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     -0.0108061312, employment_X.1 >= 0.5 & (age < 27.5 | is.na(age)) & 
#>     (creditAmount < 1341.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00403471291, (creditAmount < 
#>     1026 | is.na(creditAmount)) & age >= 27.5 & (creditAmount < 
#>     1341.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00213973271, creditAmount >= 
#>     1026 & age >= 27.5 & (creditAmount < 1341.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     -0.0048906086, purpose_radio.tv >= 0.5 & (age < 26.5 | is.na(age)) & 
#>     creditAmount >= 1341.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (employment_unemployed < 0.5 | 
#>     is.na(employment_unemployed)) ~ 0.00850477442, (age < 23.5 | 
#>     is.na(age)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (age < 26.5 | is.na(age)) & creditAmount >= 1341.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00390598644, age >= 
#>     23.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (age < 26.5 | is.na(age)) & creditAmount >= 1341.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.000274619699, age >= 
#>     50.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     age >= 26.5 & creditAmount >= 1341.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00537552405, (age < 
#>     34.5 | is.na(age)) & purpose_radio.tv >= 0.5 & age >= 26.5 & 
#>     creditAmount >= 1341.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & (employment_unemployed < 0.5 | 
#>     is.na(employment_unemployed)) ~ -0.0101090856, age >= 34.5 & 
#>     purpose_radio.tv >= 0.5 & age >= 26.5 & creditAmount >= 1341.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     -0.000730270112, (savingsStatus_no.known.savings < 0.5 | 
#>     is.na(savingsStatus_no.known.savings)) & (age < 50.5 | is.na(age)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & age >= 
#>     26.5 & creditAmount >= 1341.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.000484080985, savingsStatus_no.known.savings >= 
#>     0.5 & (age < 50.5 | is.na(age)) & (purpose_radio.tv < 0.5 | 
#>     is.na(purpose_radio.tv)) & age >= 26.5 & creditAmount >= 
#>     1341.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     -0.00707804924) + case_when(age >= 37.5 & (duration < 14.5 | 
#>     is.na(duration)) ~ -0.00857326109, checkingStatus_X..200 >= 
#>     0.5 & duration >= 14.5 ~ -0.00698258309, purpose_used.car >= 
#>     0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     duration >= 14.5 ~ -0.00559314061, employment_X1..X.4 >= 
#>     0.5 & (creditAmount < 1675 | is.na(creditAmount)) & (age < 
#>     37.5 | is.na(age)) & (duration < 14.5 | is.na(duration)) ~ 
#>     -0.00589529332, (housing_own < 0.5 | is.na(housing_own)) & 
#>     creditAmount >= 1675 & (age < 37.5 | is.na(age)) & (duration < 
#>     14.5 | is.na(duration)) ~ -0.00640283711, housing_own >= 
#>     0.5 & creditAmount >= 1675 & (age < 37.5 | is.na(age)) & 
#>     (duration < 14.5 | is.na(duration)) ~ -0.00217317976, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (creditAmount < 1675 | is.na(creditAmount)) & (age < 37.5 | 
#>     is.na(age)) & (duration < 14.5 | is.na(duration)) ~ 0.0032533817, 
#>     job_skilled >= 0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditAmount < 1675 | is.na(creditAmount)) & (age < 
#>         37.5 | is.na(age)) & (duration < 14.5 | is.na(duration)) ~ 
#>         0.0103424676, job_unskilled.resident >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & duration >= 14.5 ~ 
#>         -0.00251659099, propertyMagnitude_life.insurance >= 0.5 & 
#>         checkingStatus_X.0 >= 0.5 & installmentCommitment >= 
#>         3.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ -0.00296201999, (creditAmount < 3545.5 | 
#>         is.na(creditAmount)) & (age < 33.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & duration >= 14.5 ~ 
#>         0.00491419155, (age < 44.5 | is.na(age)) & age >= 33.5 & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ 0.0116835246, age >= 44.5 & age >= 
#>         33.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ 0.00331640174, (creditAmount < 2468 | 
#>         is.na(creditAmount)) & (age < 29.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & installmentCommitment >= 
#>         3.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ -0.00440897746, creditAmount >= 2468 & 
#>         (age < 29.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & installmentCommitment >= 
#>         3.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ 0.00831496622, (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & age >= 29.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & installmentCommitment >= 
#>         3.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ -0.00688691624, employment_X..7 >= 
#>         0.5 & age >= 29.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         installmentCommitment >= 3.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (checkingStatus_X..200 < 0.5 | 
#>         is.na(checkingStatus_X..200)) & duration >= 14.5 ~ -2.26124598e-06, 
#>     (creditAmount < 2168 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X.0 >= 
#>         0.5 & installmentCommitment >= 3.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & duration >= 14.5 ~ 
#>         0.00820572209, creditAmount >= 2168 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X.0 >= 
#>         0.5 & installmentCommitment >= 3.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & duration >= 14.5 ~ 
#>         0.000568692572, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3545.5 & (age < 33.5 | is.na(age)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ -0.00415570801, installmentCommitment >= 
#>         1.5 & creditAmount >= 3545.5 & (age < 33.5 | is.na(age)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 14.5 ~ 0.000775509921) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (creditAmount < 6438.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ 0.00323422672, age >= 
#>     36.5 & creditAmount >= 6438.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ 0.00586947612, duration >= 
#>     33 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     installmentCommitment >= 3.5 ~ 0.003894486, numDependents >= 
#>     1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>     3.5 ~ 0.0116496561, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (creditAmount < 6438.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ 0.00236548483, (age < 
#>     30.5 | is.na(age)) & (age < 36.5 | is.na(age)) & creditAmount >= 
#>     6438.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     0.00150121027, age >= 30.5 & (age < 36.5 | is.na(age)) & 
#>     creditAmount >= 6438.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) ~ 
#>     -0.00406485377, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (duration < 33 | is.na(duration)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>     3.5 ~ 0.00035979657, creditHistory_critical.other.existing.credit >= 
#>     0.5 & (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>     0.5 & installmentCommitment >= 3.5 ~ -0.00568283955, otherPaymentPlans_bank >= 
#>     0.5 & residenceSince >= 1.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & (creditAmount < 
#>     6438.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.0014565849, (duration < 
#>     22.5 | is.na(duration)) & residenceSince >= 2.5 & (duration < 
#>     33 | is.na(duration)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     installmentCommitment >= 3.5 ~ -0.00962140318, duration >= 
#>     22.5 & residenceSince >= 2.5 & (duration < 33 | is.na(duration)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>     3.5 ~ -0.00157326635, (housing_own < 0.5 | is.na(housing_own)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>     0.5 & installmentCommitment >= 3.5 ~ 0.00953869522, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & residenceSince >= 
#>     1.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (creditAmount < 6438.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00885410607, propertyMagnitude_car >= 
#>     0.5 & housing_own >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>     0.5 & installmentCommitment >= 3.5 ~ -0.00486158719, (age < 
#>     25.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & residenceSince >= 
#>     1.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (creditAmount < 6438.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ 0.00200925604, (age < 
#>     27.5 | is.na(age)) & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     housing_own >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>     0.5 & installmentCommitment >= 3.5 ~ 0.000930917391, age >= 
#>     27.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     housing_own >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>     0.5 & installmentCommitment >= 3.5 ~ 0.00765144918, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & age >= 25.5 & 
#>     checkingStatus_X.0 >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & residenceSince >= 1.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (creditAmount < 6438.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00140064175, personalStatus_male.single >= 
#>     0.5 & age >= 25.5 & checkingStatus_X.0 >= 0.5 & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & residenceSince >= 
#>     1.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     (creditAmount < 6438.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) ~ -0.00563651929) + case_when((creditAmount < 
#>     1882.5 | is.na(creditAmount)) & employment_X4..X.7 >= 0.5 ~ 
#>     -0.000241580885, creditAmount >= 1882.5 & employment_X4..X.7 >= 
#>     0.5 ~ -0.00671456754, (creditAmount < 1976.5 | is.na(creditAmount)) & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00276163151, (creditAmount < 5976 | is.na(creditAmount)) & 
#>     job_skilled >= 0.5 & checkingStatus_no.checking >= 0.5 & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00863641407, creditAmount >= 5976 & job_skilled >= 0.5 & 
#>     checkingStatus_no.checking >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00110953941, personalStatus_male.single >= 
#>     0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (age < 30.5 | is.na(age)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.000356478995, (housing_own < 
#>     0.5 | is.na(housing_own)) & installmentCommitment >= 3.5 & 
#>     (age < 30.5 | is.na(age)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00186475122, (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>     1285 | is.na(creditAmount)) & age >= 30.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00546202948, checkingStatus_X0..X.200 >= 
#>     0.5 & (creditAmount < 1285 | is.na(creditAmount)) & age >= 
#>     30.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.0123463711, (creditAmount < 1897 | is.na(creditAmount)) & 
#>     creditAmount >= 1285 & age >= 30.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00618600892, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 1976.5 & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00108492456, propertyMagnitude_car >= 0.5 & creditAmount >= 
#>     1976.5 & (job_skilled < 0.5 | is.na(job_skilled)) & checkingStatus_no.checking >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.0104820225, (age < 25.5 | is.na(age)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (age < 30.5 | is.na(age)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00814051274, age >= 25.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (age < 30.5 | is.na(age)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00184951117, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     housing_own >= 0.5 & installmentCommitment >= 3.5 & (age < 
#>     30.5 | is.na(age)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.000294927042, checkingStatus_X.0 >= 
#>     0.5 & housing_own >= 0.5 & installmentCommitment >= 3.5 & 
#>     (age < 30.5 | is.na(age)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00644197641, installmentCommitment >= 
#>     3.5 & creditAmount >= 1897 & creditAmount >= 1285 & age >= 
#>     30.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00788163859, (age < 42.5 | is.na(age)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & creditAmount >= 1897 & 
#>     creditAmount >= 1285 & age >= 30.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00264437054, age >= 
#>     42.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     creditAmount >= 1897 & creditAmount >= 1285 & age >= 30.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00777802384) + case_when((housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     purpose_used.car >= 0.5 ~ -0.00916984025, housing_for.free >= 
#>     0.5 & purpose_used.car >= 0.5 ~ -0.00176277489, employment_X4..X.7 >= 
#>     0.5 & (duration < 20.5 | is.na(duration)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00744440313, (residenceSince < 
#>     3.5 | is.na(residenceSince)) & purpose_business >= 0.5 & 
#>     duration >= 20.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00625059195, residenceSince >= 3.5 & purpose_business >= 
#>     0.5 & duration >= 20.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00550013408, creditAmount >= 2123 & housing_rent >= 0.5 & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (duration < 20.5 | is.na(duration)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ 0.0095257666, propertyMagnitude_real.estate >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (purpose_business < 0.5 | is.na(purpose_business)) & duration >= 
#>     20.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00163141056, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     checkingStatus_no.checking >= 0.5 & (purpose_business < 0.5 | 
#>     is.na(purpose_business)) & duration >= 20.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00326897041, creditHistory_existing.paid >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & duration >= 20.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ 0.00446618767, (age < 29 | 
#>     is.na(age)) & (creditAmount < 1337.5 | is.na(creditAmount)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (duration < 20.5 | is.na(duration)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00378666283, 
#>     (age < 24.5 | is.na(age)) & (creditAmount < 2123 | is.na(creditAmount)) & 
#>         housing_rent >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 20.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00200017053, age >= 
#>         24.5 & (creditAmount < 2123 | is.na(creditAmount)) & 
#>         housing_rent >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 20.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00285850721, creditAmount >= 
#>         7495 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         duration >= 20.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00172702537, (age < 35.5 | is.na(age)) & age >= 29 & 
#>         (creditAmount < 1337.5 | is.na(creditAmount)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (duration < 20.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00876465999, age >= 35.5 & age >= 29 & (creditAmount < 
#>         1337.5 | is.na(creditAmount)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 20.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00154097192, (duration < 
#>         13 | is.na(duration)) & (age < 32.5 | is.na(age)) & creditAmount >= 
#>         1337.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 20.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00482835528, duration >= 
#>         13 & (age < 32.5 | is.na(age)) & creditAmount >= 1337.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (duration < 20.5 | 
#>         is.na(duration)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00341370655, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         age >= 32.5 & creditAmount >= 1337.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (duration < 20.5 | is.na(duration)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00964218657, employment_X..7 >= 0.5 & age >= 32.5 & 
#>         creditAmount >= 1337.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (duration < 20.5 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00290285493, employment_X.1 >= 
#>         0.5 & (creditAmount < 7495 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & duration >= 20.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0109159956, (creditAmount < 
#>         4038.5 | is.na(creditAmount)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditAmount < 7495 | is.na(creditAmount)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         duration >= 20.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00293477532, creditAmount >= 4038.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 7495 | 
#>         is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & duration >= 20.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00873178616) + case_when((savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & employment_X4..X.7 >= 
#>     0.5 ~ -0.00900808722, (creditAmount < 1623.5 | is.na(creditAmount)) & 
#>     (age < 22.5 | is.na(age)) & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00990299601, creditAmount >= 1623.5 & (age < 22.5 | is.na(age)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00129760138, creditHistory_all.paid >= 0.5 & age >= 22.5 & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00649732864, (creditAmount < 3082 | is.na(creditAmount)) & 
#>     savingsStatus_X.100 >= 0.5 & employment_X4..X.7 >= 0.5 ~ 
#>     -0.00017043353, creditAmount >= 3082 & savingsStatus_X.100 >= 
#>     0.5 & employment_X4..X.7 >= 0.5 ~ -0.00450193742, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & creditAmount >= 6721 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & age >= 22.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00125200592, job_skilled >= 
#>     0.5 & creditAmount >= 6721 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & age >= 22.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00814008899, (age < 
#>     29.5 | is.na(age)) & ownTelephone_yes >= 0.5 & (creditAmount < 
#>     6721 | is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & age >= 22.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00134545472, checkingStatus_X..200 >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>     6721 | is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & age >= 22.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00341319828, (age < 
#>     33.5 | is.na(age)) & checkingStatus_no.checking >= 0.5 & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (creditAmount < 
#>     6721 | is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) & age >= 22.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -7.96797103e-05, age >= 
#>     33.5 & checkingStatus_no.checking >= 0.5 & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditAmount < 6721 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     age >= 22.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.0085115172, housing_for.free >= 0.5 & age >= 29.5 & ownTelephone_yes >= 
#>     0.5 & (creditAmount < 6721 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & age >= 22.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00108900818, (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditAmount < 6721 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     age >= 22.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00623928104, purpose_radio.tv >= 0.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (creditAmount < 6721 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     age >= 22.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00162543892, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (housing_for.free < 0.5 | is.na(housing_for.free)) & age >= 
#>     29.5 & ownTelephone_yes >= 0.5 & (creditAmount < 6721 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     age >= 22.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.0100179696, savingsStatus_X.100 >= 0.5 & (housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & age >= 29.5 & ownTelephone_yes >= 
#>     0.5 & (creditAmount < 6721 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & age >= 22.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00386646297) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & creditAmount >= 1224 ~ 0.00665174192, (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>     1224 | is.na(creditAmount)) ~ 0.010179528, propertyMagnitude_life.insurance >= 
#>     0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (creditAmount < 1224 | is.na(creditAmount)) ~ 0.00382661447, 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1224 | is.na(creditAmount)) ~ -0.000713865738, 
#>     purpose_radio.tv >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1224 | is.na(creditAmount)) ~ -0.00468727434, 
#>     duration >= 28.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         creditAmount >= 1224 ~ 0.00697257929, (age < 22.5 | is.na(age)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ 0.00366333709, (duration < 19 | is.na(duration)) & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (duration < 
#>         28.5 | is.na(duration)) & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.000549680146, duration >= 19 & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (duration < 28.5 | is.na(duration)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         creditAmount >= 1224 ~ 0.00585889583, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & residenceSince >= 
#>         2.5 & (duration < 28.5 | is.na(duration)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.00831435528, checkingStatus_X.0 >= 0.5 & residenceSince >= 
#>         2.5 & (duration < 28.5 | is.na(duration)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ 0.00037187594, (age < 38.5 | is.na(age)) & propertyMagnitude_no.known.property >= 
#>         0.5 & age >= 22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.00385778421, age >= 38.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & age >= 22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ 0.00680888817, purpose_new.car >= 0.5 & (age < 
#>         34.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ 0.00254047546, (creditAmount < 1537.5 | is.na(creditAmount)) & 
#>         age >= 34.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.00265530427, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (age < 34.5 | is.na(age)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         age >= 22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.00085941446, personalStatus_male.single >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (age < 34.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.00743459258, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         1537.5 & age >= 34.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.0118569266, personalStatus_male.single >= 0.5 & 
#>         creditAmount >= 1537.5 & age >= 34.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         22.5 & otherPaymentPlans_none >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & creditAmount >= 
#>         1224 ~ -0.00598380156) + case_when(savingsStatus_X..1000 >= 
#>     0.5 ~ -0.00636882847, age >= 37.5 & (creditAmount < 963.5 | 
#>     is.na(creditAmount)) & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00163853518, purpose_education >= 0.5 & creditAmount >= 
#>     963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00483939145, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (age < 37.5 | 
#>     is.na(age)) & (creditAmount < 963.5 | is.na(creditAmount)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00244398974, personalStatus_female.div.dep.mar >= 0.5 & 
#>     (age < 37.5 | is.na(age)) & (creditAmount < 963.5 | is.na(creditAmount)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.0113254329, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     employment_X1..X.4 >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & creditAmount >= 
#>     963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00849270076, personalStatus_male.single >= 0.5 & employment_X1..X.4 >= 
#>     0.5 & (housing_own < 0.5 | is.na(housing_own)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00283410004, checkingStatus_X.0 >= 0.5 & (duration < 16.5 | 
#>     is.na(duration)) & housing_own >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00615598774, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00412345212, personalStatus_male.single >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & creditAmount >= 
#>     963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00583975064, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & checkingStatus_X.0 >= 
#>     0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.0090841474, personalStatus_female.div.dep.mar >= 0.5 & 
#>     checkingStatus_X.0 >= 0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00172324106, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (duration < 16.5 | is.na(duration)) & housing_own >= 0.5 & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & creditAmount >= 
#>     963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00493961433, personalStatus_male.single >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (duration < 16.5 | is.na(duration)) & 
#>     housing_own >= 0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     creditAmount >= 963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00167826505, propertyMagnitude_life.insurance >= 0.5 & 
#>     checkingStatus_X0..X.200 >= 0.5 & duration >= 16.5 & housing_own >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     creditAmount >= 963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.000386127271, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     duration >= 16.5 & housing_own >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.0058202045, otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 16.5 & 
#>     housing_own >= 0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     creditAmount >= 963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00676140888, (creditAmount < 2478 | is.na(creditAmount)) & 
#>     checkingStatus_X.0 >= 0.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & duration >= 16.5 & housing_own >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     creditAmount >= 963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.0112163592, creditAmount >= 2478 & checkingStatus_X.0 >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     duration >= 16.5 & housing_own >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     -0.00280533242, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & duration >= 16.5 & housing_own >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     creditAmount >= 963.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.0021865638, installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X0..X.200 >= 
#>     0.5 & duration >= 16.5 & housing_own >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & creditAmount >= 963.5 & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) ~ 
#>     0.00870080292) + case_when(creditHistory_all.paid >= 0.5 ~ 
#>     0.00757002272, (age < 23.5 | is.na(age)) & (age < 25.5 | 
#>     is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00359889399, age >= 23.5 & (age < 25.5 | is.na(age)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00296580791, creditAmount >= 7452 & age >= 25.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00220563193, propertyMagnitude_no.known.property >= 
#>     0.5 & (age < 43.5 | is.na(age)) & installmentCommitment >= 
#>     2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00844903849, age >= 56 & age >= 43.5 & installmentCommitment >= 
#>     2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00381322461, (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (creditAmount < 7452 | is.na(creditAmount)) & age >= 25.5 & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00893552601, housing_rent >= 0.5 & (creditAmount < 7452 | 
#>     is.na(creditAmount)) & age >= 25.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.000387612177, (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & (age < 56 | is.na(age)) & 
#>     age >= 43.5 & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00256461208, ownTelephone_yes >= 
#>     0.5 & (age < 56 | is.na(age)) & age >= 43.5 & installmentCommitment >= 
#>     2.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00686529465, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     propertyMagnitude_real.estate >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>     43.5 | is.na(age)) & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0032536115, job_skilled >= 
#>     0.5 & propertyMagnitude_real.estate >= 0.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>     43.5 | is.na(age)) & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00643277261, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 3911 & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (age < 43.5 | is.na(age)) & installmentCommitment >= 2.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000616034085, propertyMagnitude_car >= 0.5 & creditAmount >= 
#>     3911 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (age < 43.5 | is.na(age)) & installmentCommitment >= 2.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00808036048, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (duration < 13 | is.na(duration)) & (creditAmount < 3911 | 
#>     is.na(creditAmount)) & (propertyMagnitude_real.estate < 0.5 | 
#>     is.na(propertyMagnitude_real.estate)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>     43.5 | is.na(age)) & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00745784165, job_skilled >= 
#>     0.5 & (duration < 13 | is.na(duration)) & (creditAmount < 
#>     3911 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>     43.5 | is.na(age)) & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.000528672768, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & duration >= 13 & (creditAmount < 
#>     3911 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>     43.5 | is.na(age)) & installmentCommitment >= 2.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00761124492, employment_X1..X.4 >= 
#>     0.5 & duration >= 13 & (creditAmount < 3911 | is.na(creditAmount)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (age < 43.5 | is.na(age)) & installmentCommitment >= 2.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000684583152) + case_when((existingCredits < 1.5 | is.na(existingCredits)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ 0.0023230724, 
#>     (duration < 17 | is.na(duration)) & existingCredits >= 1.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.0078797508, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & (duration < 
#>         16.5 | is.na(duration)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00212712958, propertyMagnitude_life.insurance >= 0.5 & 
#>         (duration < 16.5 | is.na(duration)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00554841245, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         duration >= 16.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00301623275, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         duration >= 16.5 & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000110304536, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         duration >= 17 & existingCredits >= 1.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00547711179, ownTelephone_none >= 0.5 & duration >= 
#>         17 & existingCredits >= 1.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00381728518, (creditAmount < 2574.5 | is.na(creditAmount)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 16.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00956242718, (age < 37.5 | is.na(age)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (duration < 16.5 | 
#>         is.na(duration)) & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0057519176, age >= 37.5 & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & (duration < 16.5 | is.na(duration)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00394002348, (age < 27.5 | is.na(age)) & employment_X1..X.4 >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00706400536, age >= 27.5 & employment_X1..X.4 >= 0.5 & 
#>         (duration < 16.5 | is.na(duration)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000837785949, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & installmentCommitment >= 
#>         1.5 & duration >= 16.5 & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0105342455, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         creditAmount >= 2574.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>         16.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00502083777, residenceSince >= 3.5 & creditAmount >= 
#>         2574.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 16.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00230853865, creditAmount >= 3429 & creditHistory_existing.paid >= 
#>         0.5 & installmentCommitment >= 1.5 & duration >= 16.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00166755216, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditAmount < 3429 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & installmentCommitment >= 1.5 & duration >= 16.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00197700411, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         ownTelephone_none >= 0.5 & (creditAmount < 3429 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & installmentCommitment >= 
#>         1.5 & duration >= 16.5 & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0108047267, residenceSince >= 3.5 & ownTelephone_none >= 
#>         0.5 & (creditAmount < 3429 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & installmentCommitment >= 1.5 & duration >= 16.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00381748169) + case_when(purpose_education >= 0.5 & 
#>     (duration < 25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00698210811, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00758564239, checkingStatus_X0..X.200 >= 0.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ 0.00193488761, (age < 34 | is.na(age)) & propertyMagnitude_real.estate >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     0.00683721388, age >= 34 & propertyMagnitude_real.estate >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.00486503169, creditAmount >= 4764.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00842087436, creditAmount >= 8338 & otherPaymentPlans_none >= 
#>     0.5 & duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00549456943, creditAmount >= 4276.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00287501537, residenceSince >= 3.5 & (creditAmount < 
#>     8338 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00756320404, (age < 46.5 | is.na(age)) & (creditAmount < 
#>     4276.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.0105103375, age >= 46.5 & (creditAmount < 4276.5 | 
#>     is.na(creditAmount)) & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ 0.000525119365, propertyMagnitude_real.estate >= 0.5 & 
#>     residenceSince >= 3.5 & (creditAmount < 4764.5 | is.na(creditAmount)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (duration < 
#>     25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00222308701, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     8338 | is.na(creditAmount)) & otherPaymentPlans_none >= 0.5 & 
#>     duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00564790238, checkingStatus_X0..X.200 >= 0.5 & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (creditAmount < 8338 | is.na(creditAmount)) & 
#>     otherPaymentPlans_none >= 0.5 & duration >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00414472166, (creditAmount < 1505.5 | is.na(creditAmount)) & 
#>     checkingStatus_no.checking >= 0.5 & (residenceSince < 3.5 | 
#>     is.na(residenceSince)) & (creditAmount < 4764.5 | is.na(creditAmount)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (duration < 
#>     25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00493773585, creditAmount >= 1505.5 & checkingStatus_no.checking >= 
#>     0.5 & (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     4764.5 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>     is.na(purpose_education)) & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00180805125, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     residenceSince >= 3.5 & (creditAmount < 4764.5 | is.na(creditAmount)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (duration < 
#>     25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00344964396, installmentCommitment >= 2.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & residenceSince >= 
#>     3.5 & (creditAmount < 4764.5 | is.na(creditAmount)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00881543662, (age < 24 | is.na(age)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (creditAmount < 4764.5 | is.na(creditAmount)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (duration < 
#>     25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.000107467473, age >= 24 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (creditAmount < 4764.5 | is.na(creditAmount)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (duration < 
#>     25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00555811822, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     personalStatus_male.single >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (creditAmount < 4764.5 | is.na(creditAmount)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (duration < 
#>     25.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00125274237, job_skilled >= 0.5 & personalStatus_male.single >= 
#>     0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     4764.5 | is.na(creditAmount)) & (purpose_education < 0.5 | 
#>     is.na(purpose_education)) & (duration < 25.5 | is.na(duration)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00546001969) + case_when((creditAmount < 1924.5 | is.na(creditAmount)) & 
#>     (age < 25.5 | is.na(age)) & purpose_radio.tv >= 0.5 ~ 0.00436165277, 
#>     creditAmount >= 1924.5 & (age < 25.5 | is.na(age)) & purpose_radio.tv >= 
#>         0.5 ~ -0.000655092532, existingCredits >= 1.5 & age >= 
#>         25.5 & purpose_radio.tv >= 0.5 ~ 0.000613210083, (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00881290622, employment_X..7 >= 
#>         0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00442044856, personalStatus_female.div.dep.mar >= 0.5 & 
#>         ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) ~ 0.0064372248, creditAmount >= 
#>         6373.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) ~ 0.00585305318, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & age >= 25.5 & purpose_radio.tv >= 
#>         0.5 ~ -0.00905883219, propertyMagnitude_car >= 0.5 & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & age >= 
#>         25.5 & purpose_radio.tv >= 0.5 ~ -0.00293050613, (numDependents < 
#>         1.5 | is.na(numDependents)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00354367238, numDependents >= 1.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & ownTelephone_none >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00342002185, numDependents >= 1.5 & (creditAmount < 
#>         6373.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00552019104, (age < 25.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00276298006, (age < 28.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00330067356, age >= 28.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00209572096, (age < 29.5 | is.na(age)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 6373.5 | 
#>         is.na(creditAmount)) & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00732823368, age >= 29.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (creditAmount < 6373.5 | is.na(creditAmount)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) ~ -0.00254611881, (duration < 
#>         13.5 | is.na(duration)) & age >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00450944202, duration >= 13.5 & age >= 25.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.0101640495) + case_when((job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (duration < 11.5 | is.na(duration)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.00237436313, 
#>     job_skilled >= 0.5 & (duration < 11.5 | is.na(duration)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 
#>         -0.00847497117, creditAmount >= 5843 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ 0.00860557798, age >= 30.5 & employment_X1..X.4 >= 
#>         0.5 & personalStatus_female.div.dep.mar >= 0.5 ~ 0.000803001283, 
#>     purpose_radio.tv >= 0.5 & (creditAmount < 5843 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 ~ -0.00704897009, 
#>     checkingStatus_X.0 >= 0.5 & (age < 30.5 | is.na(age)) & employment_X1..X.4 >= 
#>         0.5 & personalStatus_female.div.dep.mar >= 0.5 ~ 0.00228770822, 
#>     residenceSince >= 3.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 33.5 | is.na(age)) & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 0.00121128466, 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         purpose_radio.tv >= 0.5 & (age < 33.5 | is.na(age)) & 
#>         duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 0.0043524811, 
#>     propertyMagnitude_car >= 0.5 & purpose_radio.tv >= 0.5 & 
#>         (age < 33.5 | is.na(age)) & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.00450505828, 
#>     age >= 44.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         age >= 33.5 & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 0.00049522263, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & residenceSince >= 
#>         3.5 & age >= 33.5 & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.0044857678, 
#>     housing_rent >= 0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 5843 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ -0.00412383629, (age < 27.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (age < 30.5 | is.na(age)) & 
#>         employment_X1..X.4 >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ 0.00366545259, age >= 27.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (age < 30.5 | is.na(age)) & 
#>         employment_X1..X.4 >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ 0.0141626103, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (age < 33.5 | is.na(age)) & 
#>         duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.0036842199, 
#>     installmentCommitment >= 2.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 33.5 | is.na(age)) & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.0103062857, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (age < 44.5 | is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         age >= 33.5 & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 0.00421135593, 
#>     creditHistory_existing.paid >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & age >= 
#>         33.5 & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 0.0107847722, 
#>     creditHistory_existing.paid >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & residenceSince >= 
#>         3.5 & age >= 33.5 & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.000751973654, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 5843 | 
#>         is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 ~ 0.00455774087, 
#>     creditHistory_existing.paid >= 0.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 5843 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & personalStatus_female.div.dep.mar >= 
#>         0.5 ~ -0.0022953616, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         residenceSince >= 3.5 & age >= 33.5 & duration >= 11.5 & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) ~ 
#>         0.00630881172, ownTelephone_none >= 0.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & residenceSince >= 
#>         3.5 & age >= 33.5 & duration >= 11.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) ~ -0.000958934252) + 
#>     case_when(creditHistory_all.paid >= 0.5 & (duration < 15.5 | 
#>         is.na(duration)) ~ 0.00303681148, (age < 24.5 | is.na(age)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (duration < 15.5 | is.na(duration)) ~ -0.00791100319, 
#>         (creditAmount < 7032 | is.na(creditAmount)) & purpose_used.car >= 
#>             0.5 & duration >= 15.5 ~ -0.00890465733, creditAmount >= 
#>             7032 & purpose_used.car >= 0.5 & duration >= 15.5 ~ 
#>             0.00283813314, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             age >= 44.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.000995359966, job_skilled >= 
#>             0.5 & age >= 44.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.00605044607, housing_rent >= 
#>             0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             age >= 24.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 15.5 | is.na(duration)) ~ 0.00135050295, 
#>         job_unskilled.resident >= 0.5 & installmentCommitment >= 
#>             3.5 & age >= 24.5 & (creditHistory_all.paid < 0.5 | 
#>             is.na(creditHistory_all.paid)) & (duration < 15.5 | 
#>             is.na(duration)) ~ 0.00726261362, (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (housing_own < 
#>             0.5 | is.na(housing_own)) & (age < 44.5 | is.na(age)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.0019724234, installmentCommitment >= 
#>             2.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & duration >= 15.5 ~ 0.0111608254, 
#>         (age < 29.5 | is.na(age)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             age >= 24.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.00286307558, 
#>         age >= 29.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             age >= 24.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>             (duration < 15.5 | is.na(duration)) ~ -0.00884407945, 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (job_unskilled.resident < 
#>             0.5 | is.na(job_unskilled.resident)) & installmentCommitment >= 
#>             3.5 & age >= 24.5 & (creditHistory_all.paid < 0.5 | 
#>             is.na(creditHistory_all.paid)) & (duration < 15.5 | 
#>             is.na(duration)) ~ -0.00350353797, existingCredits >= 
#>             1.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             installmentCommitment >= 3.5 & age >= 24.5 & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) & (duration < 
#>             15.5 | is.na(duration)) ~ 0.00100354326, creditAmount >= 
#>             7186.5 & existingCredits >= 1.5 & housing_own >= 
#>             0.5 & (age < 44.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & duration >= 15.5 ~ 
#>             -0.00177851226, personalStatus_female.div.dep.mar >= 
#>             0.5 & (age < 35.5 | is.na(age)) & (existingCredits < 
#>             1.5 | is.na(existingCredits)) & housing_own >= 0.5 & 
#>             (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & duration >= 15.5 ~ 0.000608948467, 
#>         (creditAmount < 2829.5 | is.na(creditAmount)) & age >= 
#>             35.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             housing_own >= 0.5 & (age < 44.5 | is.na(age)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.00629316783, creditAmount >= 
#>             2829.5 & age >= 35.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             housing_own >= 0.5 & (age < 44.5 | is.na(age)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.00211298163, (purpose_business < 
#>             0.5 | is.na(purpose_business)) & (creditAmount < 
#>             7186.5 | is.na(creditAmount)) & existingCredits >= 
#>             1.5 & housing_own >= 0.5 & (age < 44.5 | is.na(age)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ 0.00943818036, purpose_business >= 
#>             0.5 & (creditAmount < 7186.5 | is.na(creditAmount)) & 
#>             existingCredits >= 1.5 & housing_own >= 0.5 & (age < 
#>             44.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.00101894559, (employment_X1..X.4 < 
#>             0.5 | is.na(employment_X1..X.4)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 35.5 | is.na(age)) & (existingCredits < 1.5 | 
#>             is.na(existingCredits)) & housing_own >= 0.5 & (age < 
#>             44.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.00233344152, employment_X1..X.4 >= 
#>             0.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>             is.na(personalStatus_female.div.dep.mar)) & (age < 
#>             35.5 | is.na(age)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             housing_own >= 0.5 & (age < 44.5 | is.na(age)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             duration >= 15.5 ~ -0.00898843352) + case_when(savingsStatus_X..1000 >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00675646309, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     purpose_used.car >= 0.5 ~ -0.00999217574, housing_for.free >= 
#>     0.5 & purpose_used.car >= 0.5 ~ -0.00126546377, (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     11.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.000201800867, 
#>     propertyMagnitude_real.estate >= 0.5 & (duration < 11.5 | 
#>         is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00845186785, housing_for.free >= 0.5 & duration >= 
#>         11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00311069982, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00793098845, purpose_new.car >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000283382658, creditAmount >= 2918.5 & ownTelephone_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00502437446, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 2918.5 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00157450209, checkingStatus_X.0 >= 0.5 & (creditAmount < 
#>         2918.5 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00455710618, duration >= 33 & (age < 27.5 | is.na(age)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00734874187, age >= 46.5 & age >= 27.5 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000357023731, (creditAmount < 1557 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (age < 27.5 | is.na(age)) & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00314022624, creditAmount >= 1557 & (duration < 33 | 
#>         is.na(duration)) & (age < 27.5 | is.na(age)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00543718785, (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (age < 46.5 | is.na(age)) & age >= 27.5 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00693650637, savingsStatus_X100..X.500 >= 0.5 & (age < 
#>         46.5 | is.na(age)) & age >= 27.5 & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & duration >= 11.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00107088953) + case_when((creditAmount < 1555 | is.na(creditAmount)) & 
#>     (residenceSince < 1.5 | is.na(residenceSince)) ~ 0.000306285016, 
#>     checkingStatus_X0..X.200 >= 0.5 & creditAmount >= 1555 & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) ~ -0.0105940914, 
#>     purpose_used.car >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & residenceSince >= 
#>         1.5 ~ -0.00962834898, (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>         1555 & (residenceSince < 1.5 | is.na(residenceSince)) ~ 
#>         0.00119106495, installmentCommitment >= 2.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & creditAmount >= 
#>         1555 & (residenceSince < 1.5 | is.na(residenceSince)) ~ 
#>         -0.0071733701, installmentCommitment >= 2.5 & (age < 
#>         34 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & residenceSince >= 1.5 ~ 0.00975901727, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & age >= 34 & personalStatus_female.div.dep.mar >= 
#>         0.5 & residenceSince >= 1.5 ~ -0.00205380935, installmentCommitment >= 
#>         3.5 & age >= 34 & personalStatus_female.div.dep.mar >= 
#>         0.5 & residenceSince >= 1.5 ~ -0.00543100759, creditAmount >= 
#>         2965.5 & propertyMagnitude_real.estate >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & residenceSince >= 
#>         1.5 ~ 0.00304183108, (age < 24.5 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (age < 34 | is.na(age)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & residenceSince >= 
#>         1.5 ~ -0.00314267818, age >= 24.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (age < 34 | is.na(age)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & residenceSince >= 
#>         1.5 ~ 0.00310955569, (age < 27.5 | is.na(age)) & duration >= 
#>         27.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         residenceSince >= 1.5 ~ 0.00368655729, (creditAmount < 
#>         1250.5 | is.na(creditAmount)) & (creditAmount < 2965.5 | 
#>         is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         residenceSince >= 1.5 ~ -0.000719731906, creditAmount >= 
#>         1250.5 & (creditAmount < 2965.5 | is.na(creditAmount)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & residenceSince >= 
#>         1.5 ~ -0.00954498351, (duration < 16.5 | is.na(duration)) & 
#>         (age < 31.5 | is.na(age)) & (duration < 27.5 | is.na(duration)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         residenceSince >= 1.5 ~ -0.00496772956, duration >= 16.5 & 
#>         (age < 31.5 | is.na(age)) & (duration < 27.5 | is.na(duration)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         residenceSince >= 1.5 ~ 0.00358680449, (duration < 11.5 | 
#>         is.na(duration)) & age >= 31.5 & (duration < 27.5 | is.na(duration)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         residenceSince >= 1.5 ~ -0.00331815425, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & age >= 27.5 & 
#>         duration >= 27.5 & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & residenceSince >= 
#>         1.5 ~ -0.00995534193, creditHistory_existing.paid >= 
#>         0.5 & age >= 27.5 & duration >= 27.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & residenceSince >= 
#>         1.5 ~ -0.00153039955, (creditAmount < 1505 | is.na(creditAmount)) & 
#>         duration >= 11.5 & age >= 31.5 & (duration < 27.5 | is.na(duration)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         residenceSince >= 1.5 ~ 0.00365357217, creditAmount >= 
#>         1505 & duration >= 11.5 & age >= 31.5 & (duration < 27.5 | 
#>         is.na(duration)) & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & residenceSince >= 
#>         1.5 ~ 0.00824747141) + case_when(checkingStatus_X..200 >= 
#>     0.5 ~ -0.00559674622, employment_X.1 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00334042427, (otherParties_none < 
#>     0.5 | is.na(otherParties_none)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ -0.00231531681, (creditAmount < 
#>     2123 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00867268816, (duration < 
#>     16.5 | is.na(duration)) & (age < 30.5 | is.na(age)) & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ 0.00461487146, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & age >= 30.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ -0.00852703303, purpose_used.car >= 
#>     0.5 & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ -0.00378411682, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & creditAmount >= 2123 & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.000304388435, ownTelephone_none >= 0.5 & creditAmount >= 
#>     2123 & creditHistory_critical.other.existing.credit >= 0.5 & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ 0.00672982447, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & duration >= 16.5 & (age < 
#>     30.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00335970125, employment_X1..X.4 >= 0.5 & duration >= 16.5 & 
#>     (age < 30.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.000959968078, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     ownTelephone_none >= 0.5 & age >= 30.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ -0.00430755503, residenceSince >= 
#>     3.5 & ownTelephone_none >= 0.5 & age >= 30.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ 0.00103368983, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) & otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ 0.00151232898, (creditAmount < 
#>     1359.5 | is.na(creditAmount)) & (creditAmount < 1779.5 | 
#>     is.na(creditAmount)) & residenceSince >= 1.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & otherParties_none >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ 0.00531799532, creditAmount >= 
#>     1359.5 & (creditAmount < 1779.5 | is.na(creditAmount)) & 
#>     residenceSince >= 1.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ -0.00417201407, (age < 28.5 | 
#>     is.na(age)) & creditAmount >= 1779.5 & residenceSince >= 
#>     1.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>     otherParties_none >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ 0.00529961102, age >= 28.5 & 
#>     creditAmount >= 1779.5 & residenceSince >= 1.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & otherParties_none >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     savingsStatus_X.100 >= 0.5 & (checkingStatus_X..200 < 0.5 | 
#>     is.na(checkingStatus_X..200)) ~ 0.0119466055) + case_when((installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ 0.00429827487, personalStatus_male.div.sep >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 ~ 0.00679604569, (duration < 
#>     19 | is.na(duration)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>     installmentCommitment >= 1.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ 0.00377646671, savingsStatus_X100..X.500 >= 
#>     0.5 & housing_own >= 0.5 & installmentCommitment >= 1.5 & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) ~ 
#>     -0.00169035548, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & savingsStatus_X.100 >= 
#>     0.5 ~ -0.00137676799, residenceSince >= 2.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00738232397, (age < 29.5 | 
#>     is.na(age)) & duration >= 19 & (housing_own < 0.5 | is.na(housing_own)) & 
#>     installmentCommitment >= 1.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.00123043999, age >= 29.5 & 
#>     duration >= 19 & (housing_own < 0.5 | is.na(housing_own)) & 
#>     installmentCommitment >= 1.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) ~ -0.00800557714, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & housing_own >= 
#>     0.5 & installmentCommitment >= 1.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00928560086, checkingStatus_X.0 >= 
#>     0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     housing_own >= 0.5 & installmentCommitment >= 1.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) ~ -0.00264270208, (age < 
#>     23.5 | is.na(age)) & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00526552321, (age < 34.5 | 
#>     is.na(age)) & purpose_business >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00204030145, age >= 34.5 & 
#>     purpose_business >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.0101598166, age >= 36.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     age >= 23.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00022282498, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & checkingStatus_X.0 >= 
#>     0.5 & age >= 23.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00901304372, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (age < 36.5 | is.na(age)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     age >= 23.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00931472611, employment_X1..X.4 >= 
#>     0.5 & (age < 36.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & age >= 23.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00267730001, (age < 30 | 
#>     is.na(age)) & creditHistory_existing.paid >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 & age >= 23.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ -0.00407226942, age >= 30 & 
#>     creditHistory_existing.paid >= 0.5 & checkingStatus_X.0 >= 
#>     0.5 & age >= 23.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     savingsStatus_X.100 >= 0.5 ~ 0.00125825778) + case_when((age < 
#>     22.5 | is.na(age)) ~ 0.00808467064, age >= 49.5 & checkingStatus_no.checking >= 
#>     0.5 & age >= 22.5 ~ 0.000438256742, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & age >= 47.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>     -0.00772129325, ownTelephone_none >= 0.5 & age >= 47.5 & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     age >= 22.5 ~ 0.00191295659, creditAmount >= 7819 & (age < 
#>     49.5 | is.na(age)) & checkingStatus_no.checking >= 0.5 & 
#>     age >= 22.5 ~ 0.000938518613, age >= 38.5 & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (age < 47.5 | is.na(age)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     age >= 22.5 ~ 0.0104408711, otherParties_guarantor >= 0.5 & 
#>     ownTelephone_none >= 0.5 & (age < 47.5 | is.na(age)) & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>     -0.00697077671, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditAmount < 7819 | is.na(creditAmount)) & (age < 49.5 | 
#>     is.na(age)) & checkingStatus_no.checking >= 0.5 & age >= 
#>     22.5 ~ -0.00825997908, age >= 34.5 & (age < 38.5 | is.na(age)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (age < 
#>     47.5 | is.na(age)) & (checkingStatus_no.checking < 0.5 | 
#>     is.na(checkingStatus_no.checking)) & age >= 22.5 ~ -0.0082797287, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & creditHistory_existing.paid >= 
#>         0.5 & (creditAmount < 7819 | is.na(creditAmount)) & (age < 
#>         49.5 | is.na(age)) & checkingStatus_no.checking >= 0.5 & 
#>         age >= 22.5 ~ 0.00385357905, job_skilled >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & (creditAmount < 7819 | is.na(creditAmount)) & (age < 
#>         49.5 | is.na(age)) & checkingStatus_no.checking >= 0.5 & 
#>         age >= 22.5 ~ -0.005569614, propertyMagnitude_real.estate >= 
#>         0.5 & (age < 34.5 | is.na(age)) & (age < 38.5 | is.na(age)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (age < 47.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>         0.00205315999, (creditAmount < 1387 | is.na(creditAmount)) & 
#>         (age < 30.5 | is.na(age)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>         0.5 & (age < 47.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>         0.00481456565, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         age >= 30.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         ownTelephone_none >= 0.5 & (age < 47.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 22.5 ~ 0.000236276173, (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (age < 
#>         34.5 | is.na(age)) & (age < 38.5 | is.na(age)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (age < 47.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 22.5 ~ 0.00886808988, propertyMagnitude_life.insurance >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (age < 34.5 | is.na(age)) & (age < 38.5 | is.na(age)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (age < 47.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>         0.00200925232, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         creditAmount >= 1387 & (age < 30.5 | is.na(age)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>         0.5 & (age < 47.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>         0.00291166827, job_skilled >= 0.5 & creditAmount >= 1387 & 
#>         (age < 30.5 | is.na(age)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>         0.5 & (age < 47.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>         -0.00510535482, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         job_skilled >= 0.5 & age >= 30.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>         0.5 & (age < 47.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 22.5 ~ 
#>         0.0116366129, existingCredits >= 1.5 & job_skilled >= 
#>         0.5 & age >= 30.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         ownTelephone_none >= 0.5 & (age < 47.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 22.5 ~ 0.00149184) + case_when((job_skilled < 
#>     0.5 | is.na(job_skilled)) & purpose_used.car >= 0.5 ~ -0.00226954417, 
#>     job_skilled >= 0.5 & purpose_used.car >= 0.5 ~ -0.00917414948, 
#>     (creditAmount < 1266.5 | is.na(creditAmount)) & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00216712989, ownTelephone_yes >= 
#>         0.5 & creditAmount >= 1266.5 & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00732358126, employment_X..7 >= 0.5 & purpose_new.car >= 
#>         0.5 & residenceSince >= 2.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0081255585, savingsStatus_no.known.savings >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 1266.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00471615046, numDependents >= 1.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & residenceSince >= 2.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00688768271, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & ownTelephone_yes >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         residenceSince >= 2.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00865149405, propertyMagnitude_no.known.property >= 
#>         0.5 & ownTelephone_yes >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & residenceSince >= 2.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.000102718368, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & purpose_new.car >= 0.5 & residenceSince >= 
#>         2.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00123080157, existingCredits >= 1.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & purpose_new.car >= 0.5 & 
#>         residenceSince >= 2.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00206754962, creditHistory_critical.other.existing.credit >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & residenceSince >= 
#>         2.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00984842144, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (duration < 16.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 1266.5 & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00343883457, employment_X1..X.4 >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 1266.5 & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.000925950881, (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & duration >= 16.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 1266.5 & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0103090676, purpose_radio.tv >= 
#>         0.5 & duration >= 16.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 1266.5 & 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 8.59338761e-05, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & residenceSince >= 2.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00341058732, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & job_skilled >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & residenceSince >= 2.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.000344741362, personalStatus_female.div.dep.mar >= 
#>         0.5 & job_skilled >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & residenceSince >= 2.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00610001152) + case_when((housing_for.free < 
#>     0.5 | is.na(housing_for.free)) & purpose_used.car >= 0.5 ~ 
#>     -0.00830527674, housing_for.free >= 0.5 & purpose_used.car >= 
#>     0.5 ~ 8.86581038e-05, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     creditHistory_delayed.previously >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ 0.00157211313, employment_X1..X.4 >= 
#>     0.5 & creditHistory_delayed.previously >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00932754111, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00252508256, 
#>     installmentCommitment >= 2.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00368407858, employment_X1..X.4 >= 0.5 & ownTelephone_none >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00923273526, purpose_radio.tv >= 
#>         0.5 & existingCredits >= 1.5 & housing_own >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00357601536, (creditAmount < 
#>         2112.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & ownTelephone_none >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0100186644, creditAmount >= 
#>         2112.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         ownTelephone_none >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00205386849, propertyMagnitude_real.estate >= 0.5 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & housing_own >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00328239519, checkingStatus_X.0 >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         housing_own >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00843380485, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & existingCredits >= 1.5 & housing_own >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0100005306, propertyMagnitude_life.insurance >= 0.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & housing_own >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0104230875, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         employment_X1..X.4 >= 0.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & housing_own >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0043662847, checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         employment_X1..X.4 >= 0.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & housing_own >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.000493597123, employment_X1..X.4 >= 
#>         0.5 & residenceSince >= 1.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & existingCredits >= 1.5 & housing_own >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00210905867, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & housing_own >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00197976897, checkingStatus_X.0 >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & housing_own >= 0.5 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00970561709, (creditAmount < 2235 | is.na(creditAmount)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         residenceSince >= 1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         existingCredits >= 1.5 & housing_own >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00104685372, creditAmount >= 
#>         2235 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         residenceSince >= 1.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         existingCredits >= 1.5 & housing_own >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00715355342) + case_when((duration < 
#>     8.5 | is.na(duration)) ~ -0.00843938906, (creditAmount < 
#>     1502 | is.na(creditAmount)) & savingsStatus_no.known.savings >= 
#>     0.5 & duration >= 8.5 ~ 0.000167553342, (job_skilled < 0.5 | 
#>     is.na(job_skilled)) & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     duration >= 8.5 ~ -0.00786839984, savingsStatus_X..1000 >= 
#>     0.5 & residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ -0.00467139995, (housing_own < 0.5 | is.na(housing_own)) & 
#>     creditAmount >= 1502 & savingsStatus_no.known.savings >= 
#>     0.5 & duration >= 8.5 ~ -0.00295102969, housing_own >= 0.5 & 
#>     creditAmount >= 1502 & savingsStatus_no.known.savings >= 
#>     0.5 & duration >= 8.5 ~ -0.00833069813, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & job_skilled >= 0.5 & (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ 0.00168040092, ownTelephone_none >= 0.5 & job_skilled >= 
#>     0.5 & (residenceSince < 1.5 | is.na(residenceSince)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ -0.00339208171, (duration < 15.5 | is.na(duration)) & 
#>     otherPaymentPlans_bank >= 0.5 & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) & residenceSince >= 1.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     duration >= 8.5 ~ 0.00312580587, duration >= 31.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ 0.00309403799, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     duration >= 15.5 & otherPaymentPlans_bank >= 0.5 & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) & residenceSince >= 1.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     duration >= 8.5 ~ 0.0110770212, residenceSince >= 2.5 & duration >= 
#>     15.5 & otherPaymentPlans_bank >= 0.5 & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) & residenceSince >= 1.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     duration >= 8.5 ~ 0.00414365437, (purpose_business < 0.5 | 
#>     is.na(purpose_business)) & (installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ -0.00315719796, purpose_business >= 0.5 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ 0.00405948376, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ 0.00619563647, employment_X..7 >= 0.5 & installmentCommitment >= 
#>     2.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & (savingsStatus_X..1000 < 
#>     0.5 | is.na(savingsStatus_X..1000)) & residenceSince >= 1.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     duration >= 8.5 ~ -0.00229590107, (duration < 15.5 | is.na(duration)) & 
#>     (duration < 31.5 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ -0.000161540695, duration >= 15.5 & (duration < 31.5 | 
#>     is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>     residenceSince >= 1.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & duration >= 
#>     8.5 ~ -0.00625591213) + case_when(checkingStatus_X0..X.200 >= 
#>     0.5 & employment_X..7 >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>     0.004454799, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & purpose_new.car >= 
#>     0.5 ~ 0.00595506001, creditAmount >= 2262.5 & existingCredits >= 
#>     1.5 & purpose_new.car >= 0.5 ~ 0.00994372554, age >= 45 & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ -0.00824561715, (housing_own < 
#>     0.5 | is.na(housing_own)) & propertyMagnitude_life.insurance >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00836581271, 
#>     age >= 41.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         employment_X..7 >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.00882512052, (housing_own < 0.5 | is.na(housing_own)) & 
#>         otherPaymentPlans_none >= 0.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & purpose_new.car >= 0.5 ~ 0.00336160255, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (creditAmount < 2262.5 | is.na(creditAmount)) & existingCredits >= 
#>         1.5 & purpose_new.car >= 0.5 ~ -0.00299839769, checkingStatus_X.0 >= 
#>         0.5 & (creditAmount < 2262.5 | is.na(creditAmount)) & 
#>         existingCredits >= 1.5 & purpose_new.car >= 0.5 ~ 0.00282529695, 
#>     (creditAmount < 1118 | is.na(creditAmount)) & (age < 45 | 
#>         is.na(age)) & (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ -0.00294500845, personalStatus_male.single >= 
#>         0.5 & housing_own >= 0.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00553771295, 
#>     (creditAmount < 2550 | is.na(creditAmount)) & (age < 41.5 | 
#>         is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         employment_X..7 >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.000563086011, creditAmount >= 2550 & (age < 41.5 | 
#>         is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         employment_X..7 >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.0030300701, (creditAmount < 2276 | is.na(creditAmount)) & 
#>         housing_own >= 0.5 & otherPaymentPlans_none >= 0.5 & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & purpose_new.car >= 
#>         0.5 ~ -0.00558549492, creditAmount >= 2276 & housing_own >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & purpose_new.car >= 0.5 ~ 
#>         -0.000596732716, (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & housing_own >= 
#>         0.5 & propertyMagnitude_life.insurance >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ 0.000815256906, purpose_furniture.equipment >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         housing_own >= 0.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00248080213, 
#>     (creditAmount < 3429 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & creditAmount >= 
#>         1118 & (age < 45 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ 0.00905991439, creditAmount >= 
#>         3429 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditAmount >= 1118 & (age < 45 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ 0.000902376371, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & propertyMagnitude_car >= 
#>         0.5 & creditAmount >= 1118 & (age < 45 | is.na(age)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00702690007, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & job_skilled >= 
#>         0.5 & propertyMagnitude_car >= 0.5 & creditAmount >= 
#>         1118 & (age < 45 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ -0.00488481997, otherPaymentPlans_none >= 
#>         0.5 & job_skilled >= 0.5 & propertyMagnitude_car >= 0.5 & 
#>         creditAmount >= 1118 & (age < 45 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) ~ 0.00210561394) + case_when(checkingStatus_X..200 >= 
#>     0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>     -0.00666165212, (age < 37.5 | is.na(age)) & savingsStatus_no.known.savings >= 
#>     0.5 ~ -0.00867480598, (creditAmount < 2857.5 | is.na(creditAmount)) & 
#>     age >= 37.5 & savingsStatus_no.known.savings >= 0.5 ~ -0.00369639276, 
#>     creditAmount >= 2857.5 & age >= 37.5 & savingsStatus_no.known.savings >= 
#>         0.5 ~ 0.000159695221, (installmentCommitment < 1.5 | 
#>         is.na(installmentCommitment)) & (age < 25.5 | is.na(age)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00289789517, personalStatus_male.div.sep >= 0.5 & 
#>         age >= 25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00662805652, (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         installmentCommitment >= 1.5 & (age < 25.5 | is.na(age)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00838154741, purpose_furniture.equipment >= 0.5 & installmentCommitment >= 
#>         1.5 & (age < 25.5 | is.na(age)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.0029402785, 
#>     creditAmount >= 2263.5 & purpose_new.car >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & age >= 25.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00715048751, propertyMagnitude_life.insurance >= 0.5 & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & age >= 25.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.000195040455, age >= 44.5 & installmentCommitment >= 
#>         3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         age >= 25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00713335956, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (creditAmount < 2263.5 | is.na(creditAmount)) & purpose_new.car >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         age >= 25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00347745093, propertyMagnitude_car >= 0.5 & (creditAmount < 
#>         2263.5 | is.na(creditAmount)) & purpose_new.car >= 0.5 & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         age >= 25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00105431757, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & age >= 25.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00898153614, ownTelephone_yes >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & age >= 25.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00320308376, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (age < 44.5 | is.na(age)) & installmentCommitment >= 
#>         3.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         age >= 25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00388592505, purpose_radio.tv >= 0.5 & (age < 44.5 | 
#>         is.na(age)) & installmentCommitment >= 3.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & age >= 25.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00358864688) + case_when((duration < 8.5 | is.na(duration)) & 
#>     age >= 25.5 ~ -0.00699511496, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (duration < 16.5 | is.na(duration)) & (age < 25.5 | is.na(age)) ~ 
#>     0.00526469294, residenceSince >= 2.5 & (duration < 16.5 | 
#>     is.na(duration)) & (age < 25.5 | is.na(age)) ~ -0.00481771212, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         duration >= 16.5 & (age < 25.5 | is.na(age)) ~ 0.00169397378, 
#>     personalStatus_female.div.dep.mar >= 0.5 & duration >= 16.5 & 
#>         (age < 25.5 | is.na(age)) ~ 0.00923055597, checkingStatus_no.checking >= 
#>         0.5 & (creditAmount < 1374.5 | is.na(creditAmount)) & 
#>         duration >= 8.5 & age >= 25.5 ~ -0.00375275686, existingCredits >= 
#>         1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 1374.5 | is.na(creditAmount)) & duration >= 
#>         8.5 & age >= 25.5 ~ 0.00196916028, age >= 53.5 & (housing_own < 
#>         0.5 | is.na(housing_own)) & creditAmount >= 1374.5 & 
#>         duration >= 8.5 & age >= 25.5 ~ -0.00212725787, (creditAmount < 
#>         1100 | is.na(creditAmount)) & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         1374.5 | is.na(creditAmount)) & duration >= 8.5 & age >= 
#>         25.5 ~ 0.0141760577, creditAmount >= 1100 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (creditAmount < 
#>         1374.5 | is.na(creditAmount)) & duration >= 8.5 & age >= 
#>         25.5 ~ 0.00238856021, (duration < 22.5 | is.na(duration)) & 
#>         (age < 53.5 | is.na(age)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         creditAmount >= 1374.5 & duration >= 8.5 & age >= 25.5 ~ 
#>         0.0062643108, purpose_business >= 0.5 & (age < 35.5 | 
#>         is.na(age)) & housing_own >= 0.5 & creditAmount >= 1374.5 & 
#>         duration >= 8.5 & age >= 25.5 ~ -0.00999870617, creditAmount >= 
#>         4504.5 & age >= 35.5 & housing_own >= 0.5 & creditAmount >= 
#>         1374.5 & duration >= 8.5 & age >= 25.5 ~ -0.00724675925, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         duration >= 22.5 & (age < 53.5 | is.na(age)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & creditAmount >= 1374.5 & 
#>         duration >= 8.5 & age >= 25.5 ~ -0.00488795526, installmentCommitment >= 
#>         3.5 & duration >= 22.5 & (age < 53.5 | is.na(age)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & creditAmount >= 
#>         1374.5 & duration >= 8.5 & age >= 25.5 ~ 0.00144637853, 
#>     employment_X.1 >= 0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 35.5 | is.na(age)) & housing_own >= 0.5 & creditAmount >= 
#>         1374.5 & duration >= 8.5 & age >= 25.5 ~ -0.00737831276, 
#>     age >= 43.5 & (creditAmount < 4504.5 | is.na(creditAmount)) & 
#>         age >= 35.5 & housing_own >= 0.5 & creditAmount >= 1374.5 & 
#>         duration >= 8.5 & age >= 25.5 ~ -0.00540226139, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & (age < 35.5 | is.na(age)) & 
#>         housing_own >= 0.5 & creditAmount >= 1374.5 & duration >= 
#>         8.5 & age >= 25.5 ~ 0.00126837264, propertyMagnitude_car >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 35.5 | is.na(age)) & housing_own >= 0.5 & creditAmount >= 
#>         1374.5 & duration >= 8.5 & age >= 25.5 ~ -0.00336442306, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (age < 43.5 | 
#>         is.na(age)) & (creditAmount < 4504.5 | is.na(creditAmount)) & 
#>         age >= 35.5 & housing_own >= 0.5 & creditAmount >= 1374.5 & 
#>         duration >= 8.5 & age >= 25.5 ~ 0.00953942817, job_skilled >= 
#>         0.5 & (age < 43.5 | is.na(age)) & (creditAmount < 4504.5 | 
#>         is.na(creditAmount)) & age >= 35.5 & housing_own >= 0.5 & 
#>         creditAmount >= 1374.5 & duration >= 8.5 & age >= 25.5 ~ 
#>         0.000795190106) + case_when(checkingStatus_X..200 >= 
#>     0.5 ~ -0.00959744863, (creditAmount < 1461 | is.na(creditAmount)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & (age < 25.5 | 
#>     is.na(age)) & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.000456063368, creditAmount >= 1461 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (age < 25.5 | is.na(age)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.0101813171, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     residenceSince >= 2.5 & (age < 25.5 | is.na(age)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00403057178, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (duration < 11.5 | 
#>     is.na(duration)) & age >= 25.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00817011483, creditHistory_existing.paid >= 
#>     0.5 & (duration < 11.5 | is.na(duration)) & age >= 25.5 & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00167822698, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     savingsStatus_X.100 >= 0.5 & residenceSince >= 2.5 & (age < 
#>     25.5 | is.na(age)) & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.000791456318, installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>     0.5 & residenceSince >= 2.5 & (age < 25.5 | is.na(age)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00390189374, propertyMagnitude_life.insurance >= 0.5 & 
#>     (creditAmount < 1381.5 | is.na(creditAmount)) & duration >= 
#>     11.5 & age >= 25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00127427117, personalStatus_male.div.sep >= 0.5 & creditAmount >= 
#>     1381.5 & duration >= 11.5 & age >= 25.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00453172298, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>     1381.5 | is.na(creditAmount)) & duration >= 11.5 & age >= 
#>     25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00148294307, checkingStatus_X.0 >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>     1381.5 | is.na(creditAmount)) & duration >= 11.5 & age >= 
#>     25.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.0123061799, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     creditAmount >= 6765.5 & (personalStatus_male.div.sep < 0.5 | 
#>     is.na(personalStatus_male.div.sep)) & creditAmount >= 1381.5 & 
#>     duration >= 11.5 & age >= 25.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.000612885924, job_skilled >= 
#>     0.5 & creditAmount >= 6765.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>     1381.5 & duration >= 11.5 & age >= 25.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00651155738, (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (creditAmount < 6765.5 | 
#>     is.na(creditAmount)) & (personalStatus_male.div.sep < 0.5 | 
#>     is.na(personalStatus_male.div.sep)) & creditAmount >= 1381.5 & 
#>     duration >= 11.5 & age >= 25.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.0100643188, installmentCommitment >= 
#>     2.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (creditAmount < 6765.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>     1381.5 & duration >= 11.5 & age >= 25.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00222232775, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & purpose_new.car >= 
#>     0.5 & (creditAmount < 6765.5 | is.na(creditAmount)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & creditAmount >= 
#>     1381.5 & duration >= 11.5 & age >= 25.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.0080519421, installmentCommitment >= 
#>     3.5 & purpose_new.car >= 0.5 & (creditAmount < 6765.5 | is.na(creditAmount)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     creditAmount >= 1381.5 & duration >= 11.5 & age >= 25.5 & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00120728987) + case_when((creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & purpose_used.car >= 
#>     0.5 ~ -0.000467436796, creditHistory_existing.paid >= 0.5 & 
#>     purpose_used.car >= 0.5 ~ -0.00843385421, propertyMagnitude_life.insurance >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ 0.00911907293, (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.00279342593, 
#>     otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00660053734, personalStatus_female.div.dep.mar >= 
#>         0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00371895102, propertyMagnitude_real.estate >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00815574266, existingCredits >= 1.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00749546802, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00478360103, age >= 39 & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & installmentCommitment >= 2.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00165130966, (age < 51.5 | is.na(age)) & employment_X..7 >= 
#>         0.5 & installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0029121046, age >= 51.5 & employment_X..7 >= 0.5 & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00265874597, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00317608169, creditHistory_existing.paid >= 0.5 & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00247373804, (duration < 25.5 | is.na(duration)) & 
#>         job_skilled >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00856390968, duration >= 25.5 & job_skilled >= 0.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00615745364, purpose_furniture.equipment >= 0.5 & 
#>         (age < 39 | is.na(age)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00103067479, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (age < 39 | is.na(age)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00294752978, installmentCommitment >= 3.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (age < 39 | 
#>         is.na(age)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         installmentCommitment >= 2.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00757451681) + case_when(age >= 44.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00760363042, job_unskilled.resident >= 
#>     0.5 & (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>     0.5 ~ -0.000181092444, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>     numDependents >= 1.5 & checkingStatus_X.0 >= 0.5 ~ -0.00570978411, 
#>     housing_for.free >= 0.5 & numDependents >= 1.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00211187056, age >= 38.5 & creditAmount >= 5060 & 
#>         (age < 44.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.000308387622, (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (age < 24.5 | is.na(age)) & 
#>         (creditAmount < 5060 | is.na(creditAmount)) & (age < 
#>         44.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00847752765, employment_X.1 >= 0.5 & (age < 24.5 | 
#>         is.na(age)) & (creditAmount < 5060 | is.na(creditAmount)) & 
#>         (age < 44.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.000267735653, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & age >= 24.5 & (creditAmount < 
#>         5060 | is.na(creditAmount)) & (age < 44.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.000496196211, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (age < 38.5 | is.na(age)) & creditAmount >= 5060 & (age < 
#>         44.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.002272418, residenceSince >= 2.5 & (age < 38.5 | is.na(age)) & 
#>         creditAmount >= 5060 & (age < 44.5 | is.na(age)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.0100684986, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.00243904185, residenceSince >= 3.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 0.5 ~ 
#>         0.000308537157, installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00822349731, creditAmount >= 3888.5 & residenceSince >= 
#>         1.5 & age >= 24.5 & (creditAmount < 5060 | is.na(creditAmount)) & 
#>         (age < 44.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ 0.0129120965, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00585373817, propertyMagnitude_car >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & checkingStatus_X.0 >= 
#>         0.5 ~ -0.00356706581, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         19 | is.na(duration)) & (creditAmount < 3888.5 | is.na(creditAmount)) & 
#>         residenceSince >= 1.5 & age >= 24.5 & (creditAmount < 
#>         5060 | is.na(creditAmount)) & (age < 44.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00622005109, propertyMagnitude_real.estate >= 0.5 & 
#>         (duration < 19 | is.na(duration)) & (creditAmount < 3888.5 | 
#>         is.na(creditAmount)) & residenceSince >= 1.5 & age >= 
#>         24.5 & (creditAmount < 5060 | is.na(creditAmount)) & 
#>         (age < 44.5 | is.na(age)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) ~ -0.000585934496, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         19 & (creditAmount < 3888.5 | is.na(creditAmount)) & 
#>         residenceSince >= 1.5 & age >= 24.5 & (creditAmount < 
#>         5060 | is.na(creditAmount)) & (age < 44.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00333429291, checkingStatus_X0..X.200 >= 0.5 & duration >= 
#>         19 & (creditAmount < 3888.5 | is.na(creditAmount)) & 
#>         residenceSince >= 1.5 & age >= 24.5 & (creditAmount < 
#>         5060 | is.na(creditAmount)) & (age < 44.5 | is.na(age)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.000277590501) + case_when((job_skilled < 0.5 | is.na(job_skilled)) & 
#>     purpose_used.car >= 0.5 ~ -0.00367167918, job_skilled >= 
#>     0.5 & purpose_used.car >= 0.5 ~ -0.00865002628, age >= 52.5 & 
#>     age >= 28.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00645280816, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (age < 28.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00444233092, (duration < 16.5 | is.na(duration)) & ownTelephone_none >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (age < 28.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00608274154, duration >= 16.5 & ownTelephone_none >= 0.5 & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (age < 28.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00462811068, personalStatus_male.single >= 0.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & installmentCommitment >= 
#>     2.5 & (age < 28.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>     is.na(purpose_used.car)) ~ 0.0112903966, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & propertyMagnitude_real.estate >= 
#>     0.5 & installmentCommitment >= 2.5 & (age < 28.5 | is.na(age)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.000530148216, 
#>     creditHistory_existing.paid >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & installmentCommitment >= 2.5 & (age < 28.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00444143312, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (age < 52.5 | is.na(age)) & age >= 28.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00285535795, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & installmentCommitment >= 
#>         2.5 & (age < 28.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00582887884, checkingStatus_X.0 >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         installmentCommitment >= 2.5 & (age < 28.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00152067246, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (age < 52.5 | 
#>         is.na(age)) & age >= 28.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00161445676, purpose_new.car >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (age < 52.5 | 
#>         is.na(age)) & age >= 28.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0101242214, savingsStatus_no.known.savings >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (age < 52.5 | is.na(age)) & 
#>         age >= 28.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00193463452, (age < 38 | is.na(age)) & purpose_furniture.equipment >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (age < 52.5 | is.na(age)) & 
#>         age >= 28.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000901431486, age >= 38 & purpose_furniture.equipment >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & (age < 52.5 | is.na(age)) & 
#>         age >= 28.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00276427018, ownTelephone_none >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (age < 52.5 | is.na(age)) & age >= 28.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.0093101915, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (age < 52.5 | is.na(age)) & age >= 28.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00147504208, creditHistory_existing.paid >= 
#>         0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (age < 52.5 | is.na(age)) & 
#>         age >= 28.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0058233696) + case_when(creditHistory_all.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ 0.00933923479, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00242921221, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         checkingStatus_no.checking >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00894352235, job_skilled >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00191375299, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00758455787, purpose_radio.tv >= 0.5 & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         5.83763267e-06, (creditAmount < 3811 | is.na(creditAmount)) & 
#>         residenceSince >= 3.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00438393606, creditAmount >= 3811 & residenceSince >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00133548852, existingCredits >= 1.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00885612424, otherPaymentPlans_bank >= 0.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00497895991, age >= 30.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & propertyMagnitude_life.insurance >= 
#>         0.5 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00404970953, age >= 35.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00195099495, (age < 31 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0142372604, age >= 31 & personalStatus_female.div.dep.mar >= 
#>         0.5 & installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00159048266, (creditAmount < 2547.5 | is.na(creditAmount)) & 
#>         (age < 30.5 | is.na(age)) & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & propertyMagnitude_life.insurance >= 
#>         0.5 & residenceSince >= 1.5 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00481992587, creditAmount >= 2547.5 & (age < 30.5 | 
#>         is.na(age)) & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & residenceSince >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000110203204, (creditAmount < 3520 | is.na(creditAmount)) & 
#>         (age < 35.5 | is.na(age)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00327705755, creditAmount >= 3520 & (age < 35.5 | 
#>         is.na(age)) & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0105222845, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (age < 39.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & installmentCommitment >= 
#>         2.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000385423889, employment_X..7 >= 0.5 & (age < 39.5 | 
#>         is.na(age)) & (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & installmentCommitment >= 
#>         2.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00612485455, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         age >= 39.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & installmentCommitment >= 
#>         2.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         residenceSince >= 1.5 & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00251080422, employment_X..7 >= 0.5 & age >= 39.5 & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & residenceSince >= 
#>         1.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00899007358) + case_when((age < 24.5 | is.na(age)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ 0.00409830827, 
#>     employment_X4..X.7 >= 0.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00954436418, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         employment_X.1 >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0055745095, installmentCommitment >= 3.5 & employment_X.1 >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00243835826, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         checkingStatus_no.checking >= 0.5 & age >= 24.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00918485504, purpose_new.car >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & age >= 24.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.000468286045, employment_X.1 >= 0.5 & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00488738064, (creditAmount < 2626.5 | is.na(creditAmount)) & 
#>         savingsStatus_X100..X.500 >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000143645841, creditAmount >= 2626.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00694234669, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (age < 29.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000754784676, ownTelephone_none >= 0.5 & (age < 29.5 | 
#>         is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00933048502, (age < 41 | is.na(age)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 24.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00233836239, age >= 41 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 24.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00459590554, (creditAmount < 1345.5 | is.na(creditAmount)) & 
#>         installmentCommitment >= 3.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 24.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00142158032, creditAmount >= 1345.5 & installmentCommitment >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 24.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00823849812, (creditAmount < 1563.5 | is.na(creditAmount)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00120326888, ownTelephone_yes >= 0.5 & (creditAmount < 
#>         2987.5 | is.na(creditAmount)) & age >= 29.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00609109038, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 2987.5 & age >= 29.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00124799041, checkingStatus_X.0 >= 0.5 & creditAmount >= 
#>         2987.5 & age >= 29.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00752355624, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 1563.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00927260332, checkingStatus_no.checking >= 0.5 & creditAmount >= 
#>         1563.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000897022372, (duration < 13.5 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 2987.5 | is.na(creditAmount)) & age >= 
#>         29.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00282541476, duration >= 13.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 2987.5 | 
#>         is.na(creditAmount)) & age >= 29.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00277586398) + case_when((creditAmount < 653 | is.na(creditAmount)) ~ 
#>     -0.00857011694, (creditAmount < 979.5 | is.na(creditAmount)) & 
#>     creditAmount >= 653 ~ 0.00714861695, savingsStatus_X..1000 >= 
#>     0.5 & creditAmount >= 979.5 & creditAmount >= 653 ~ -0.00746880285, 
#>     (housing_own < 0.5 | is.na(housing_own)) & duration >= 43.5 & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         creditAmount >= 979.5 & creditAmount >= 653 ~ 0.00907458551, 
#>     housing_own >= 0.5 & duration >= 43.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         979.5 & creditAmount >= 653 ~ 0.0010920451, propertyMagnitude_car >= 
#>         0.5 & employment_X.1 >= 0.5 & (duration < 43.5 | is.na(duration)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         creditAmount >= 979.5 & creditAmount >= 653 ~ 0.00687843235, 
#>     (age < 29.5 | is.na(age)) & (duration < 13.5 | is.na(duration)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>         43.5 | is.na(duration)) & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & creditAmount >= 979.5 & 
#>         creditAmount >= 653 ~ 0.000237583066, age >= 30.5 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & employment_X.1 >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         979.5 & creditAmount >= 653 ~ 0.0033360417, (creditAmount < 
#>         2541.5 | is.na(creditAmount)) & age >= 29.5 & (duration < 
#>         13.5 | is.na(duration)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (duration < 43.5 | is.na(duration)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         979.5 & creditAmount >= 653 ~ -0.00875608996, creditAmount >= 
#>         2541.5 & age >= 29.5 & (duration < 13.5 | is.na(duration)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>         43.5 | is.na(duration)) & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & creditAmount >= 979.5 & 
#>         creditAmount >= 653 ~ -0.00221091439, (creditAmount < 
#>         2894 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & duration >= 13.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>         43.5 | is.na(duration)) & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & creditAmount >= 979.5 & 
#>         creditAmount >= 653 ~ 0.00741930399, creditAmount >= 
#>         2894 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         duration >= 13.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (duration < 43.5 | is.na(duration)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         979.5 & creditAmount >= 653 ~ -0.00157144433, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & propertyMagnitude_car >= 
#>         0.5 & duration >= 13.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (duration < 43.5 | is.na(duration)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         979.5 & creditAmount >= 653 ~ -0.0071382043, employment_X1..X.4 >= 
#>         0.5 & propertyMagnitude_car >= 0.5 & duration >= 13.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>         43.5 | is.na(duration)) & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & creditAmount >= 979.5 & 
#>         creditAmount >= 653 ~ 0.000444195175, (housing_own < 
#>         0.5 | is.na(housing_own)) & (age < 30.5 | is.na(age)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         employment_X.1 >= 0.5 & (duration < 43.5 | is.na(duration)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         creditAmount >= 979.5 & creditAmount >= 653 ~ 0.00260377512, 
#>     housing_own >= 0.5 & (age < 30.5 | is.na(age)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & employment_X.1 >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & creditAmount >= 
#>         979.5 & creditAmount >= 653 ~ -0.00637773378) + case_when(savingsStatus_X..1000 >= 
#>     0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>     -0.00899899378, installmentCommitment >= 2.5 & propertyMagnitude_no.known.property >= 
#>     0.5 ~ 0.00576488581, (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & propertyMagnitude_no.known.property >= 
#>     0.5 ~ 0.00033473334, creditHistory_existing.paid >= 0.5 & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     propertyMagnitude_no.known.property >= 0.5 ~ -0.00283416919, 
#>     numDependents >= 1.5 & purpose_new.car >= 0.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00725210272, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         employment_X1..X.4 >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00464019179, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.0100173093, 
#>     installmentCommitment >= 3.5 & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00453663617, 
#>     age >= 47.5 & savingsStatus_X.100 >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00375422346, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & savingsStatus_X.100 >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00434860587, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & purpose_new.car >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.000338462822, installmentCommitment >= 2.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (numDependents < 1.5 | 
#>         is.na(numDependents)) & purpose_new.car >= 0.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00224054372, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & ownTelephone_none >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         purpose_new.car >= 0.5 & (savingsStatus_X..1000 < 0.5 | 
#>         is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00206437288, 
#>     job_skilled >= 0.5 & ownTelephone_none >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & purpose_new.car >= 0.5 & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         0.00923694391, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (age < 47.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.0086803725, 
#>     (duration < 19.5 | is.na(duration)) & ownTelephone_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.000285902584, duration >= 19.5 & ownTelephone_none >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) ~ 
#>         -0.00809372123, (creditAmount < 2307.5 | is.na(creditAmount)) & 
#>         residenceSince >= 1.5 & (age < 47.5 | is.na(age)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ 0.00196714792, 
#>     creditAmount >= 2307.5 & residenceSince >= 1.5 & (age < 47.5 | 
#>         is.na(age)) & savingsStatus_X.100 >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) ~ -0.00724255061) + 
#>     case_when(purpose_education >= 0.5 & housing_own >= 0.5 ~ 
#>         0.00519129215, installmentCommitment >= 3.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (housing_own < 0.5 | is.na(housing_own)) ~ 
#>         0.00467236945, existingCredits >= 1.5 & job_skilled >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) ~ 0.00897400733, 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (housing_own < 
#>             0.5 | is.na(housing_own)) ~ -0.00739504863, job_high.qualif.self.emp.mgmt >= 
#>             0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             (job_skilled < 0.5 | is.na(job_skilled)) & (housing_own < 
#>             0.5 | is.na(housing_own)) ~ -0.000176771049, (duration < 
#>             14.5 | is.na(duration)) & (existingCredits < 1.5 | 
#>             is.na(existingCredits)) & job_skilled >= 0.5 & (housing_own < 
#>             0.5 | is.na(housing_own)) ~ -0.00360573898, (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>             1.5 | is.na(installmentCommitment)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & housing_own >= 
#>             0.5 ~ 0.00526465988, ownTelephone_none >= 0.5 & (installmentCommitment < 
#>             1.5 | is.na(installmentCommitment)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & housing_own >= 
#>             0.5 ~ -0.000599857362, (creditAmount < 3346 | is.na(creditAmount)) & 
#>             duration >= 14.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             job_skilled >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) ~ 
#>             0.00226203236, creditAmount >= 3346 & duration >= 
#>             14.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             job_skilled >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) ~ 
#>             0.0060052881, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             ownTelephone_none >= 0.5 & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ -0.00899266545, (creditAmount < 
#>             1314.5 | is.na(creditAmount)) & (creditAmount < 3914 | 
#>             is.na(creditAmount)) & (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ -0.00384494266, creditAmount >= 
#>             1314.5 & (creditAmount < 3914 | is.na(creditAmount)) & 
#>             (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             installmentCommitment >= 1.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & housing_own >= 
#>             0.5 ~ -0.0100302752, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             creditAmount >= 3914 & (ownTelephone_none < 0.5 | 
#>             is.na(ownTelephone_none)) & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ -0.00776506169, job_skilled >= 
#>             0.5 & creditAmount >= 3914 & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ 0.0011477872, (creditAmount < 
#>             1786.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & residenceSince >= 
#>             1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ 0.00631784182, creditAmount >= 
#>             1786.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             residenceSince >= 1.5 & ownTelephone_none >= 0.5 & 
#>             installmentCommitment >= 1.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & housing_own >= 
#>             0.5 ~ -0.000800792361, (age < 31.5 | is.na(age)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             otherPaymentPlans_none >= 0.5 & residenceSince >= 
#>             1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ -0.00632879231, age >= 31.5 & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             otherPaymentPlans_none >= 0.5 & residenceSince >= 
#>             1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ -0.000854464131, (age < 32.5 | 
#>             is.na(age)) & checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & residenceSince >= 1.5 & ownTelephone_none >= 
#>             0.5 & installmentCommitment >= 1.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & housing_own >= 
#>             0.5 ~ 0.00019387815, age >= 32.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & residenceSince >= 
#>             1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>             1.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             housing_own >= 0.5 ~ 0.00545658031) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00782183371, creditAmount >= 9569 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (age < 37.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0058623557, personalStatus_male.mar.wid >= 0.5 & installmentCommitment >= 
#>     2.5 & (age < 37.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00441943295, age >= 
#>     51 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & age >= 
#>     37.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00574437389, (creditAmount < 2686.5 | is.na(creditAmount)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & age >= 
#>     37.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00345443725, creditAmount >= 2686.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & age >= 37.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00956523698, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditAmount < 9569 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (age < 37.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00269756932, employment_X1..X.4 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 & (creditAmount < 9569 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (age < 37.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000882748922, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     (creditAmount < 1499.5 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & installmentCommitment >= 
#>     2.5 & (age < 37.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0105460929, existingCredits >= 
#>     1.5 & (creditAmount < 1499.5 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & installmentCommitment >= 
#>     2.5 & (age < 37.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.000170697138, (creditAmount < 
#>     2559 | is.na(creditAmount)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (age < 51 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 37.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00384195778, creditAmount >= 2559 & (job_skilled < 0.5 | 
#>     is.na(job_skilled)) & (age < 51 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 37.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00122367416, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     job_skilled >= 0.5 & (age < 51 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 37.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00726266345, savingsStatus_X.100 >= 0.5 & job_skilled >= 
#>     0.5 & (age < 51 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     age >= 37.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00204210239, (age < 30.5 | is.na(age)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 
#>     0.5 & (creditAmount < 9569 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (age < 37.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0101217031, age >= 30.5 & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 0.5 & 
#>     (creditAmount < 9569 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (age < 37.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000571691489, personalStatus_female.div.dep.mar >= 0.5 & 
#>     (duration < 28.5 | is.na(duration)) & creditAmount >= 1499.5 & 
#>     (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     installmentCommitment >= 2.5 & (age < 37.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00375721836, (age < 29.5 | is.na(age)) & duration >= 28.5 & 
#>     creditAmount >= 1499.5 & (personalStatus_male.mar.wid < 0.5 | 
#>     is.na(personalStatus_male.mar.wid)) & installmentCommitment >= 
#>     2.5 & (age < 37.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00768553186, age >= 
#>     29.5 & duration >= 28.5 & creditAmount >= 1499.5 & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & installmentCommitment >= 
#>     2.5 & (age < 37.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.000990170403, (age < 
#>     31.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>     28.5 | is.na(duration)) & creditAmount >= 1499.5 & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & installmentCommitment >= 
#>     2.5 & (age < 37.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00825591665, age >= 
#>     31.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (duration < 28.5 | is.na(duration)) & creditAmount >= 1499.5 & 
#>     (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     installmentCommitment >= 2.5 & (age < 37.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000464198383) + case_when(creditAmount >= 2123 & (creditAmount < 
#>     2311.5 | is.na(creditAmount)) ~ 0.0097322017, creditHistory_critical.other.existing.credit >= 
#>     0.5 & age >= 38.5 & creditAmount >= 2311.5 ~ -0.00389059633, 
#>     (creditAmount < 1273 | is.na(creditAmount)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ -0.00282799941, creditAmount >= 
#>         1273 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ -0.00790862553, creditAmount >= 
#>         3504 & (creditAmount < 6973.5 | is.na(creditAmount)) & 
#>         (age < 38.5 | is.na(age)) & creditAmount >= 2311.5 ~ 
#>         -0.00950734783, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 6973.5 & (age < 38.5 | is.na(age)) & 
#>         creditAmount >= 2311.5 ~ -0.00379060744, installmentCommitment >= 
#>         2.5 & creditAmount >= 6973.5 & (age < 38.5 | is.na(age)) & 
#>         creditAmount >= 2311.5 ~ 0.00341312494, (creditAmount < 
#>         3992.5 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         age >= 38.5 & creditAmount >= 2311.5 ~ -0.00165567116, 
#>     creditAmount >= 3992.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         age >= 38.5 & creditAmount >= 2311.5 ~ 0.00775481388, 
#>     (age < 24.5 | is.na(age)) & employment_X.1 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ 0.00183341454, age >= 
#>         24.5 & employment_X.1 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ 0.00789105613, (creditAmount < 
#>         2963 | is.na(creditAmount)) & (creditAmount < 3504 | 
#>         is.na(creditAmount)) & (creditAmount < 6973.5 | is.na(creditAmount)) & 
#>         (age < 38.5 | is.na(age)) & creditAmount >= 2311.5 ~ 
#>         -0.00641614292, creditAmount >= 2963 & (creditAmount < 
#>         3504 | is.na(creditAmount)) & (creditAmount < 6973.5 | 
#>         is.na(creditAmount)) & (age < 38.5 | is.na(age)) & creditAmount >= 
#>         2311.5 ~ 0.00271950895, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 1110.5 | is.na(creditAmount)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ 0.00405907491, purpose_radio.tv >= 
#>         0.5 & (creditAmount < 1110.5 | is.na(creditAmount)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ -0.000542532303, checkingStatus_X.0 >= 
#>         0.5 & creditAmount >= 1110.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ 0.00278951554, (creditAmount < 
#>         1463.5 | is.na(creditAmount)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 1110.5 & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ -0.00922393426, creditAmount >= 
#>         1463.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 1110.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (creditAmount < 2123 | is.na(creditAmount)) & (creditAmount < 
#>         2311.5 | is.na(creditAmount)) ~ -0.00236598495) + case_when((otherParties_none < 
#>     0.5 | is.na(otherParties_none)) & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00415575644, employment_X..7 >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.0100393435, savingsStatus_no.known.savings >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00699365558, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (duration < 16.5 | is.na(duration)) & 
#>     otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 0.00662760716, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & duration >= 16.5 & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.000999803189, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (creditAmount < 
#>         2288 | is.na(creditAmount)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00223347032, creditHistory_existing.paid >= 
#>         0.5 & (creditAmount < 2288 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00777726388, (duration < 
#>         22.5 | is.na(duration)) & creditAmount >= 2288 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00506482599, ownTelephone_yes >= 
#>         0.5 & (creditAmount < 3801 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00431001745, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & creditAmount >= 
#>         3801 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00740528945, propertyMagnitude_no.known.property >= 
#>         0.5 & creditAmount >= 3801 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00182417349, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         ownTelephone_none >= 0.5 & (duration < 16.5 | is.na(duration)) & 
#>         otherParties_none >= 0.5 & checkingStatus_X.0 >= 0.5 ~ 
#>         -0.000669667206, employment_X1..X.4 >= 0.5 & ownTelephone_none >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & otherParties_none >= 
#>         0.5 & checkingStatus_X.0 >= 0.5 ~ -0.00649831444, ownTelephone_yes >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 16.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00236533419, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         duration >= 22.5 & creditAmount >= 2288 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00351840165, existingCredits >= 
#>         1.5 & duration >= 22.5 & creditAmount >= 2288 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00129566679, creditAmount >= 
#>         2315.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 3801 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00265872641, (creditAmount < 3240 | is.na(creditAmount)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 16.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00994674955, creditAmount >= 3240 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & duration >= 
#>         16.5 & otherParties_none >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 ~ 0.00328589673, (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & (creditAmount < 2315.5 | 
#>         is.na(creditAmount)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 3801 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.0104718944, job_unskilled.resident >= 0.5 & (creditAmount < 
#>         2315.5 | is.na(creditAmount)) & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & (creditAmount < 3801 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00220564357) + 
#>     case_when(purpose_new.car >= 0.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) ~ 0.00599865429, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             checkingStatus_no.checking >= 0.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) ~ -0.000719683827, 
#>         employment_X1..X.4 >= 0.5 & checkingStatus_no.checking >= 
#>             0.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>             0.00945811905, (creditAmount < 773.5 | is.na(creditAmount)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ 0.00592448702, (duration < 
#>             14.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 ~ -0.0090906173, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>             -0.00510159973, (age < 30.5 | is.na(age)) & duration >= 
#>             14.5 & checkingStatus_no.checking >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 ~ 0.00296702608, (creditAmount < 2069.5 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) ~ -0.00191862544, 
#>         creditAmount >= 2069.5 & savingsStatus_X.100 >= 0.5 & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) ~ 
#>             0.00366788893, creditAmount >= 5117.5 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & creditAmount >= 
#>             773.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ -0.00346737169, (age < 
#>             39.5 | is.na(age)) & age >= 30.5 & duration >= 14.5 & 
#>             checkingStatus_no.checking >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 ~ -0.00811896566, age >= 39.5 & age >= 30.5 & 
#>             duration >= 14.5 & checkingStatus_no.checking >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 ~ 0.000717758492, 
#>         employment_X1..X.4 >= 0.5 & (creditAmount < 5117.5 | 
#>             is.na(creditAmount)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & creditAmount >= 
#>             773.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ 0.00770119298, duration >= 
#>             27 & (housing_own < 0.5 | is.na(housing_own)) & creditHistory_existing.paid >= 
#>             0.5 & creditAmount >= 773.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 ~ -0.00319185015, purpose_furniture.equipment >= 
#>             0.5 & housing_own >= 0.5 & creditHistory_existing.paid >= 
#>             0.5 & creditAmount >= 773.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 ~ 7.66970552e-05, (housing_own < 0.5 | is.na(housing_own)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (creditAmount < 5117.5 | is.na(creditAmount)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & creditAmount >= 
#>             773.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ -0.00142083527, housing_own >= 
#>             0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             (creditAmount < 5117.5 | is.na(creditAmount)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & creditAmount >= 
#>             773.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ 0.00217217975, (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (duration < 
#>             27 | is.na(duration)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>             creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             773.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ -0.00213173404, installmentCommitment >= 
#>             2.5 & (duration < 27 | is.na(duration)) & (housing_own < 
#>             0.5 | is.na(housing_own)) & creditHistory_existing.paid >= 
#>             0.5 & creditAmount >= 773.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 ~ 0.00700105494, (duration < 22.5 | is.na(duration)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             housing_own >= 0.5 & creditHistory_existing.paid >= 
#>             0.5 & creditAmount >= 773.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 ~ -0.00969294831, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>             duration >= 22.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & housing_own >= 
#>             0.5 & creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             773.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ -0.00204261928, purpose_radio.tv >= 
#>             0.5 & duration >= 22.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & housing_own >= 
#>             0.5 & creditHistory_existing.paid >= 0.5 & creditAmount >= 
#>             773.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 ~ -0.00518651633) + 
#>     case_when((creditAmount < 737.5 | is.na(creditAmount)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00648821658, propertyMagnitude_life.insurance >= 0.5 & 
#>         employment_X4..X.7 >= 0.5 ~ -0.00902635232, (duration < 
#>         22.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & employment_X4..X.7 >= 
#>         0.5 ~ -0.00555742206, purpose_used.car >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & creditAmount >= 737.5 & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.00451674173, checkingStatus_X0..X.200 >= 0.5 & employment_X..7 >= 
#>         0.5 & creditAmount >= 737.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ 0.00575723173, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & duration >= 22.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         employment_X4..X.7 >= 0.5 ~ -0.000337887177, ownTelephone_none >= 
#>         0.5 & duration >= 22.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & employment_X4..X.7 >= 
#>         0.5 ~ 0.00173591252, (creditAmount < 995 | is.na(creditAmount)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & creditAmount >= 
#>         737.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00858945958, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         employment_X..7 >= 0.5 & creditAmount >= 737.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.0094102677, (creditAmount < 
#>         2272.5 | is.na(creditAmount)) & personalStatus_male.single >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         employment_X..7 >= 0.5 & creditAmount >= 737.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.00222301413, creditAmount >= 
#>         2272.5 & personalStatus_male.single >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & employment_X..7 >= 
#>         0.5 & creditAmount >= 737.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) ~ -0.00518105971, creditAmount >= 
#>         3254 & (duration < 17 | is.na(duration)) & creditAmount >= 
#>         995 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & creditAmount >= 
#>         737.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00671967119, propertyMagnitude_real.estate >= 0.5 & 
#>         duration >= 17 & creditAmount >= 995 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & creditAmount >= 737.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ 0.0079762591, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         3254 | is.na(creditAmount)) & (duration < 17 | is.na(duration)) & 
#>         creditAmount >= 995 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & creditAmount >= 
#>         737.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         -0.000633665244, propertyMagnitude_real.estate >= 0.5 & 
#>         (creditAmount < 3254 | is.na(creditAmount)) & (duration < 
#>         17 | is.na(duration)) & creditAmount >= 995 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & creditAmount >= 737.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) ~ -0.00755899772, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         17 & creditAmount >= 995 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 737.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.000606874062, checkingStatus_no.checking >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         17 & creditAmount >= 995 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 737.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>         0.00602779957) + case_when(savingsStatus_X..1000 >= 0.5 & 
#>     (creditAmount < 3957 | is.na(creditAmount)) ~ -0.00928090047, 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & creditAmount >= 
#>         3957 ~ -0.00526802335, employment_unemployed >= 0.5 & 
#>         residenceSince >= 1.5 & creditAmount >= 3957 ~ -0.00491012353, 
#>     (otherParties_none < 0.5 | is.na(otherParties_none)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>         3957 | is.na(creditAmount)) ~ -0.00405463157, (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & ownTelephone_yes >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (creditAmount < 3957 | is.na(creditAmount)) ~ -0.00733092288, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & ownTelephone_yes >= 
#>         0.5 & (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (creditAmount < 3957 | is.na(creditAmount)) ~ -0.000706596591, 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (employment_unemployed < 0.5 | is.na(employment_unemployed)) & 
#>         residenceSince >= 1.5 & creditAmount >= 3957 ~ 0.00959356874, 
#>     savingsStatus_no.known.savings >= 0.5 & (employment_unemployed < 
#>         0.5 | is.na(employment_unemployed)) & residenceSince >= 
#>         1.5 & creditAmount >= 3957 ~ 0.000173248482, (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & otherParties_none >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (creditAmount < 3957 | is.na(creditAmount)) ~ 0.00120191881, 
#>     purpose_new.car >= 0.5 & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & otherParties_none >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (creditAmount < 3957 | is.na(creditAmount)) ~ 0.00838686433, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         checkingStatus_no.checking >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & otherParties_none >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>         3957 | is.na(creditAmount)) ~ -0.00788446423, personalStatus_female.div.dep.mar >= 
#>         0.5 & checkingStatus_no.checking >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & otherParties_none >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>         3957 | is.na(creditAmount)) ~ 0.00334487879, (age < 23.5 | 
#>         is.na(age)) & (age < 27.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>         0.5 & otherParties_none >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>         3957 | is.na(creditAmount)) ~ 0.00159883848, age >= 23.5 & 
#>         (age < 27.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>         0.5 & otherParties_none >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>         3957 | is.na(creditAmount)) ~ -0.00641122786, (age < 
#>         38 | is.na(age)) & age >= 27.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>         0.5 & otherParties_none >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (creditAmount < 
#>         3957 | is.na(creditAmount)) ~ 0.00970335957, age >= 38 & 
#>         age >= 27.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         otherPaymentPlans_none >= 0.5 & otherParties_none >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (creditAmount < 3957 | is.na(creditAmount)) ~ -0.00133895106) + 
#>     case_when(creditHistory_no.credits.all.paid >= 0.5 ~ 0.00672147144, 
#>         personalStatus_female.div.dep.mar >= 0.5 & (creditAmount < 
#>             1178.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.000477327761, (personalStatus_male.single < 0.5 | 
#>             is.na(personalStatus_male.single)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (creditAmount < 1178.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.0105595523, personalStatus_male.single >= 0.5 & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (creditAmount < 1178.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00393424695, checkingStatus_X..200 >= 0.5 & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & creditAmount >= 
#>             1178.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.00695136515, 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             employment_X4..X.7 >= 0.5 & creditAmount >= 1178.5 & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00888201408, personalStatus_male.div.sep >= 0.5 & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             creditAmount >= 1178.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00901951641, (creditAmount < 3575.5 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & employment_X4..X.7 >= 
#>             0.5 & creditAmount >= 1178.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00269618933, creditAmount >= 3575.5 & savingsStatus_X.100 >= 
#>             0.5 & employment_X4..X.7 >= 0.5 & creditAmount >= 
#>             1178.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.00473898137, 
#>         (creditAmount < 2601.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & creditAmount >= 
#>             1178.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ 0.00522220321, 
#>         creditAmount >= 2601.5 & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & creditAmount >= 
#>             1178.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ 0.00151822285, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & purpose_furniture.equipment >= 
#>             0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             creditAmount >= 1178.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.0046351552, residenceSince >= 2.5 & purpose_furniture.equipment >= 
#>             0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             creditAmount >= 1178.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00115387223, (creditAmount < 5106.5 | is.na(creditAmount)) & 
#>             (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             employment_X..7 >= 0.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & creditAmount >= 
#>             1178.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.00679659657, 
#>         creditAmount >= 5106.5 & (checkingStatus_X.0 < 0.5 | 
#>             is.na(checkingStatus_X.0)) & employment_X..7 >= 0.5 & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             creditAmount >= 1178.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -8.10321872e-05, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             checkingStatus_X.0 >= 0.5 & employment_X..7 >= 0.5 & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>             (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>             creditAmount >= 1178.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.0030710781, existingCredits >= 1.5 & checkingStatus_X.0 >= 
#>             0.5 & employment_X..7 >= 0.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>             0.5 | is.na(employment_X4..X.7)) & creditAmount >= 
#>             1178.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) ~ -0.00246180384) + 
#>     case_when(personalStatus_female.div.dep.mar >= 0.5 & (duration < 
#>         11.5 | is.na(duration)) ~ 0.00200570258, personalStatus_male.div.sep >= 
#>         0.5 & duration >= 11.5 ~ 0.00587085355, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         11.5 | is.na(duration)) ~ -0.00186441233, creditHistory_existing.paid >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (duration < 11.5 | is.na(duration)) ~ -0.00854277331, 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             duration >= 11.5 ~ 0.00113074109, personalStatus_male.single >= 
#>             0.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             duration >= 11.5 ~ -0.00477520796, (creditAmount < 
#>             5699 | is.na(creditAmount)) & purpose_used.car >= 
#>             0.5 & residenceSince >= 1.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             11.5 ~ -0.00669327145, creditAmount >= 5699 & purpose_used.car >= 
#>             0.5 & residenceSince >= 1.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             11.5 ~ 0.000629029353, creditAmount >= 5668.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & residenceSince >= 
#>             1.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             duration >= 11.5 ~ -0.0047845575, creditAmount >= 
#>             4209 & installmentCommitment >= 2.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & residenceSince >= 
#>             1.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             duration >= 11.5 ~ 0.00764088472, creditAmount >= 
#>             3815 & (creditAmount < 5668.5 | is.na(creditAmount)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             residenceSince >= 1.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             11.5 ~ 0.00831234455, creditAmount >= 3371.5 & (creditAmount < 
#>             4209 | is.na(creditAmount)) & installmentCommitment >= 
#>             2.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             residenceSince >= 1.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             11.5 ~ -0.00182178803, (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             3815 | is.na(creditAmount)) & (creditAmount < 5668.5 | 
#>             is.na(creditAmount)) & (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & residenceSince >= 
#>             1.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             duration >= 11.5 ~ -0.00384059665, purpose_furniture.equipment >= 
#>             0.5 & (creditAmount < 3815 | is.na(creditAmount)) & 
#>             (creditAmount < 5668.5 | is.na(creditAmount)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & residenceSince >= 
#>             1.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>             duration >= 11.5 ~ 0.00248596002, (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 
#>             3371.5 | is.na(creditAmount)) & (creditAmount < 4209 | 
#>             is.na(creditAmount)) & installmentCommitment >= 2.5 & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             residenceSince >= 1.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             11.5 ~ 0.00800979976, otherPaymentPlans_none >= 0.5 & 
#>             (creditAmount < 3371.5 | is.na(creditAmount)) & (creditAmount < 
#>             4209 | is.na(creditAmount)) & installmentCommitment >= 
#>             2.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             residenceSince >= 1.5 & (personalStatus_male.div.sep < 
#>             0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>             11.5 ~ 0.00233513047) + case_when(purpose_radio.tv >= 
#>     0.5 & residenceSince >= 3.5 ~ -0.00807370711, (age < 23.5 | 
#>     is.na(age)) & (age < 32.5 | is.na(age)) & (residenceSince < 
#>     3.5 | is.na(residenceSince)) ~ 0.0055801589, (creditAmount < 
#>     931.5 | is.na(creditAmount)) & age >= 23.5 & (age < 32.5 | 
#>     is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) ~ 
#>     0.00562008424, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & age >= 32.5 & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) ~ -0.00124102505, 
#>     installmentCommitment >= 2.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         age >= 32.5 & (residenceSince < 3.5 | is.na(residenceSince)) ~ 
#>         0.00989800319, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         job_skilled >= 0.5 & age >= 32.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) ~ 0.0048122583, (age < 38.5 | 
#>         is.na(age)) & (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & residenceSince >= 3.5 ~ 
#>         -0.0084699234, creditAmount >= 4042.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         residenceSince >= 3.5 ~ 0.0124312388, (creditAmount < 
#>         2512.5 | is.na(creditAmount)) & personalStatus_male.single >= 
#>         0.5 & job_skilled >= 0.5 & age >= 32.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) ~ 0.00184681476, creditAmount >= 
#>         2512.5 & personalStatus_male.single >= 0.5 & job_skilled >= 
#>         0.5 & age >= 32.5 & (residenceSince < 3.5 | is.na(residenceSince)) ~ 
#>         -0.00592972152, purpose_new.car >= 0.5 & age >= 38.5 & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         residenceSince >= 3.5 ~ 0.00510016829, propertyMagnitude_life.insurance >= 
#>         0.5 & (creditAmount < 4042.5 | is.na(creditAmount)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & residenceSince >= 3.5 ~ 
#>         -0.00580094382, purpose_new.car >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 931.5 & 
#>         age >= 23.5 & (age < 32.5 | is.na(age)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) ~ 0.000257590233, (age < 
#>         28.5 | is.na(age)) & ownTelephone_yes >= 0.5 & creditAmount >= 
#>         931.5 & age >= 23.5 & (age < 32.5 | is.na(age)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) ~ 0.00607058639, age >= 
#>         28.5 & ownTelephone_yes >= 0.5 & creditAmount >= 931.5 & 
#>         age >= 23.5 & (age < 32.5 | is.na(age)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) ~ -0.00550508266, (numDependents < 
#>         1.5 | is.na(numDependents)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & age >= 38.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & residenceSince >= 3.5 ~ 
#>         -0.00659642601, numDependents >= 1.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & age >= 38.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & residenceSince >= 3.5 ~ 
#>         0.00116765639, (age < 28.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>         4042.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         residenceSince >= 3.5 ~ -5.92732868e-05, age >= 28.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (creditAmount < 4042.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         residenceSince >= 3.5 ~ 0.00149722979, (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 931.5 & age >= 23.5 & (age < 32.5 | is.na(age)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) ~ -0.0108414264, 
#>     purpose_radio.tv >= 0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         creditAmount >= 931.5 & age >= 23.5 & (age < 32.5 | is.na(age)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) ~ -0.00436430145) + 
#>     case_when(purpose_education >= 0.5 ~ 0.00915592536, creditAmount >= 
#>         4041 & housing_rent >= 0.5 & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) ~ 0.00950337015, (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & creditAmount >= 4989 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00950626377, ownTelephone_yes >= 
#>         0.5 & (creditAmount < 4041 | is.na(creditAmount)) & housing_rent >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00168643787, otherParties_guarantor >= 0.5 & (creditAmount < 
#>         3913.5 | is.na(creditAmount)) & (creditAmount < 4989 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00880983658, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & creditAmount >= 
#>         3913.5 & (creditAmount < 4989 | is.na(creditAmount)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00554342475, creditHistory_existing.paid >= 
#>         0.5 & creditAmount >= 3913.5 & (creditAmount < 4989 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00235530059, checkingStatus_X.0 >= 0.5 & ownTelephone_yes >= 
#>         0.5 & creditAmount >= 4989 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00403028121, (age < 23.5 | is.na(age)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 4041 | 
#>         is.na(creditAmount)) & housing_rent >= 0.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00202167011, age >= 
#>         23.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 4041 | is.na(creditAmount)) & housing_rent >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00740528665, creditAmount >= 3353 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditAmount < 
#>         3913.5 | is.na(creditAmount)) & (creditAmount < 4989 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00802148879, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         ownTelephone_yes >= 0.5 & creditAmount >= 4989 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) ~ -0.00617574621, purpose_new.car >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         ownTelephone_yes >= 0.5 & creditAmount >= 4989 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (purpose_education < 0.5 | 
#>         is.na(purpose_education)) ~ 0.00103471009, (creditAmount < 
#>         1329 | is.na(creditAmount)) & (age < 27.5 | is.na(age)) & 
#>         (creditAmount < 3353 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditAmount < 
#>         3913.5 | is.na(creditAmount)) & (creditAmount < 4989 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.0104835685, creditAmount >= 1329 & (age < 27.5 | is.na(age)) & 
#>         (creditAmount < 3353 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditAmount < 
#>         3913.5 | is.na(creditAmount)) & (creditAmount < 4989 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.000157041562, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         age >= 27.5 & (creditAmount < 3353 | is.na(creditAmount)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 3913.5 | is.na(creditAmount)) & (creditAmount < 
#>         4989 | is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.000178762653, employment_X.1 >= 0.5 & age >= 27.5 & 
#>         (creditAmount < 3353 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (creditAmount < 
#>         3913.5 | is.na(creditAmount)) & (creditAmount < 4989 | 
#>         is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00789158978) + case_when((creditAmount < 2123 | is.na(creditAmount)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ -0.0106355827, 
#>     (age < 32.5 | is.na(age)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00108817208, checkingStatus_X.0 >= 0.5 & creditAmount >= 
#>         2123 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.0013101165, (creditAmount < 1788 | is.na(creditAmount)) & 
#>         creditAmount >= 1489 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00700946013, (creditAmount < 3800.5 | is.na(creditAmount)) & 
#>         age >= 32.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000687810534, creditAmount >= 3800.5 & age >= 32.5 & 
#>         propertyMagnitude_no.known.property >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00781537965, (creditAmount < 4551 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditAmount >= 2123 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00304752379, creditAmount >= 4551 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditAmount >= 2123 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00798877887, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1489 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0091257412, propertyMagnitude_life.insurance >= 0.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (creditAmount < 1489 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000227360913, (creditAmount < 759.5 | is.na(creditAmount)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (creditAmount < 
#>         1489 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000223372481, creditAmount >= 759.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1489 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00431602867, (creditAmount < 1924.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1788 & creditAmount >= 1489 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00606823387, (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         1924.5 & creditAmount >= 1788 & creditAmount >= 1489 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00304705952, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 1924.5 & 
#>         creditAmount >= 1788 & creditAmount >= 1489 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00961694308, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         1924.5 & creditAmount >= 1788 & creditAmount >= 1489 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00391490618, checkingStatus_no.checking >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         creditAmount >= 1924.5 & creditAmount >= 1788 & creditAmount >= 
#>         1489 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00273473677, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         installmentCommitment >= 2.5 & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 1924.5 & creditAmount >= 1788 & 
#>         creditAmount >= 1489 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000169461753, checkingStatus_X.0 >= 0.5 & installmentCommitment >= 
#>         2.5 & personalStatus_male.single >= 0.5 & creditAmount >= 
#>         1924.5 & creditAmount >= 1788 & creditAmount >= 1489 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00494257128) + case_when(creditHistory_no.credits.all.paid >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00812449399, 
#>     checkingStatus_no.checking >= 0.5 & employment_X.1 >= 0.5 ~ 
#>         0.00825806428, purpose_education >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00602455297, personalStatus_male.single >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         employment_X.1 >= 0.5 ~ -0.00274290703, (duration < 8.5 | 
#>         is.na(duration)) & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00648342166, 
#>     (creditAmount < 1850 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & employment_X.1 >= 
#>         0.5 ~ 0.00830985606, creditAmount >= 1850 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & employment_X.1 >= 
#>         0.5 ~ 0.0010075554, (creditAmount < 1296 | is.na(creditAmount)) & 
#>         installmentCommitment >= 3.5 & (age < 31.5 | is.na(age)) & 
#>         duration >= 8.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.0020124421, 
#>     checkingStatus_no.checking >= 0.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & age >= 31.5 & duration >= 8.5 & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00774666341, 
#>     (duration < 25.5 | is.na(duration)) & numDependents >= 1.5 & 
#>         age >= 31.5 & duration >= 8.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00954887085, duration >= 
#>         25.5 & numDependents >= 1.5 & age >= 31.5 & duration >= 
#>         8.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00546161737, 
#>     (creditAmount < 3464.5 | is.na(creditAmount)) & (age < 25.5 | 
#>         is.na(age)) & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (age < 31.5 | is.na(age)) & duration >= 8.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00456705969, creditAmount >= 
#>         3464.5 & (age < 25.5 | is.na(age)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (age < 31.5 | is.na(age)) & 
#>         duration >= 8.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00119543518, 
#>     (duration < 25.5 | is.na(duration)) & age >= 25.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (age < 31.5 | is.na(age)) & 
#>         duration >= 8.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -1.52354287e-05, 
#>     duration >= 25.5 & age >= 25.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (age < 31.5 | is.na(age)) & 
#>         duration >= 8.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.00642584311, 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         creditAmount >= 1296 & installmentCommitment >= 3.5 & 
#>         (age < 31.5 | is.na(age)) & duration >= 8.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.0104737971, purpose_furniture.equipment >= 
#>         0.5 & creditAmount >= 1296 & installmentCommitment >= 
#>         3.5 & (age < 31.5 | is.na(age)) & duration >= 8.5 & (purpose_education < 
#>         0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00241884519, (creditAmount < 
#>         1395.5 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & age >= 31.5 & duration >= 
#>         8.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 0.00405566581, 
#>     creditAmount >= 1395.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & age >= 31.5 & duration >= 
#>         8.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ -0.0028709867) + 
#>     case_when((creditAmount < 684.5 | is.na(creditAmount)) ~ 
#>         -0.00802784227, (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         purpose_used.car >= 0.5 & creditAmount >= 684.5 ~ -0.00631968863, 
#>         housing_for.free >= 0.5 & purpose_used.car >= 0.5 & creditAmount >= 
#>             684.5 ~ -0.00106356933, (duration < 21 | is.na(duration)) & 
#>             (age < 24.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & creditAmount >= 684.5 ~ 
#>             -0.00519432873, duration >= 21 & (age < 24.5 | is.na(age)) & 
#>             (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 684.5 ~ 0.00148691772, job_high.qualif.self.emp.mgmt >= 
#>             0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>             age >= 24.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 684.5 ~ -0.00190876552, age >= 45 & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & age >= 
#>             24.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 684.5 ~ 0.000984692364, (creditAmount < 
#>             945.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>             0.5 & age >= 24.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 684.5 ~ 0.00790590327, (creditAmount < 
#>             4587.5 | is.na(creditAmount)) & job_high.qualif.self.emp.mgmt >= 
#>             0.5 & housing_own >= 0.5 & age >= 24.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>             684.5 ~ 0.00963203143, creditAmount >= 4587.5 & job_high.qualif.self.emp.mgmt >= 
#>             0.5 & housing_own >= 0.5 & age >= 24.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>             684.5 ~ -0.00255340151, (creditAmount < 3433.5 | 
#>             is.na(creditAmount)) & (age < 45 | is.na(age)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & age >= 
#>             24.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 684.5 ~ 0.0108952438, creditAmount >= 
#>             3433.5 & (age < 45 | is.na(age)) & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (housing_own < 
#>             0.5 | is.na(housing_own)) & age >= 24.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>             684.5 ~ 0.00175148423, (duration < 16.5 | is.na(duration)) & 
#>             creditAmount >= 945.5 & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>             0.5 & age >= 24.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 684.5 ~ -0.00677889399, (age < 27.5 | 
#>             is.na(age)) & duration >= 16.5 & creditAmount >= 
#>             945.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             housing_own >= 0.5 & age >= 24.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & creditAmount >= 
#>             684.5 ~ 0.00431328313, age >= 27.5 & duration >= 
#>             16.5 & creditAmount >= 945.5 & (job_high.qualif.self.emp.mgmt < 
#>             0.5 | is.na(job_high.qualif.self.emp.mgmt)) & housing_own >= 
#>             0.5 & age >= 24.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             creditAmount >= 684.5 ~ -0.0014615223) + case_when(age >= 
#>     55.5 ~ -0.00721454248, purpose_business >= 0.5 & (age < 31.5 | 
#>     is.na(age)) & (age < 55.5 | is.na(age)) ~ -0.00533260405, 
#>     employment_X4..X.7 >= 0.5 & age >= 31.5 & (age < 55.5 | is.na(age)) ~ 
#>         -0.00319092767, (age < 34.5 | is.na(age)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & age >= 31.5 & (age < 
#>         55.5 | is.na(age)) ~ 0.00675434759, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & checkingStatus_no.checking >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 31.5 | is.na(age)) & (age < 55.5 | is.na(age)) ~ 
#>         -0.00644673873, personalStatus_male.single >= 0.5 & checkingStatus_no.checking >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 31.5 | is.na(age)) & (age < 55.5 | is.na(age)) ~ 
#>         -0.00213308888, employment_X4..X.7 >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 31.5 | is.na(age)) & 
#>         (age < 55.5 | is.na(age)) ~ 0.00656942884, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & housing_rent >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 31.5 | is.na(age)) & (age < 55.5 | is.na(age)) ~ 
#>         0.00174215517, checkingStatus_X0..X.200 >= 0.5 & housing_rent >= 
#>         0.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 31.5 | is.na(age)) & (age < 55.5 | is.na(age)) ~ 
#>         0.00694979774, checkingStatus_X0..X.200 >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & age >= 34.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & age >= 31.5 & (age < 
#>         55.5 | is.na(age)) ~ -0.00543448608, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & numDependents >= 
#>         1.5 & age >= 34.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         age >= 31.5 & (age < 55.5 | is.na(age)) ~ -0.000194004097, 
#>     installmentCommitment >= 3.5 & numDependents >= 1.5 & age >= 
#>         34.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         age >= 31.5 & (age < 55.5 | is.na(age)) ~ 0.00840869639, 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (duration < 12.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 31.5 | is.na(age)) & 
#>         (age < 55.5 | is.na(age)) ~ -0.00150887354, personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 12.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 31.5 | is.na(age)) & 
#>         (age < 55.5 | is.na(age)) ~ 0.007908131, (age < 26.5 | 
#>         is.na(age)) & duration >= 12.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 31.5 | is.na(age)) & 
#>         (age < 55.5 | is.na(age)) ~ -0.00176178431, age >= 26.5 & 
#>         duration >= 12.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 31.5 | is.na(age)) & 
#>         (age < 55.5 | is.na(age)) ~ -0.0085829664, (age < 41.5 | 
#>         is.na(age)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & age >= 
#>         34.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         age >= 31.5 & (age < 55.5 | is.na(age)) ~ -0.000870146148, 
#>     age >= 41.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & age >= 
#>         34.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         age >= 31.5 & (age < 55.5 | is.na(age)) ~ 0.00922510866, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & ownTelephone_none >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & age >= 
#>         34.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         age >= 31.5 & (age < 55.5 | is.na(age)) ~ 0.00395492557, 
#>     residenceSince >= 3.5 & ownTelephone_none >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & age >= 34.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & age >= 31.5 & (age < 
#>         55.5 | is.na(age)) ~ -0.00439260108) + case_when((propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & purpose_used.car >= 
#>     0.5 ~ -0.00782077387, propertyMagnitude_car >= 0.5 & purpose_used.car >= 
#>     0.5 ~ -0.00235820119, (age < 21.5 | is.na(age)) & (age < 
#>     25.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00219453312, residenceSince >= 2.5 & age >= 21.5 & (age < 
#>     25.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00054447446, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & age >= 21.5 & 
#>     (age < 25.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.011904316, installmentCommitment >= 2.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & age >= 21.5 & (age < 25.5 | 
#>     is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00458057504, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 14.5 | is.na(duration)) & age >= 25.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00921220705, propertyMagnitude_car >= 
#>     0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (duration < 14.5 | is.na(duration)) & age >= 25.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00276034651, age >= 40.5 & 
#>     installmentCommitment >= 3.5 & (duration < 14.5 | is.na(duration)) & 
#>     age >= 25.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00321968552, (age < 29.5 | is.na(age)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & duration >= 14.5 & age >= 
#>     25.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00427398598, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (age < 40.5 | is.na(age)) & installmentCommitment >= 3.5 & 
#>     (duration < 14.5 | is.na(duration)) & age >= 25.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00399370166, purpose_radio.tv >= 
#>     0.5 & (age < 40.5 | is.na(age)) & installmentCommitment >= 
#>     3.5 & (duration < 14.5 | is.na(duration)) & age >= 25.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.00222339109, 
#>     creditAmount >= 7274 & age >= 29.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & duration >= 14.5 & 
#>         age >= 25.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00982255954, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (age < 29.5 | is.na(age)) & ownTelephone_none >= 0.5 & 
#>         duration >= 14.5 & age >= 25.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0034464791, employment_X1..X.4 >= 
#>         0.5 & (age < 29.5 | is.na(age)) & ownTelephone_none >= 
#>         0.5 & duration >= 14.5 & age >= 25.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00620841468, checkingStatus_no.checking >= 
#>         0.5 & age >= 29.5 & ownTelephone_none >= 0.5 & duration >= 
#>         14.5 & age >= 25.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000601919135, (duration < 22.5 | is.na(duration)) & 
#>         (creditAmount < 7274 | is.na(creditAmount)) & age >= 
#>         29.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         duration >= 14.5 & age >= 25.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00434119673, duration >= 
#>         33 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 29.5 & ownTelephone_none >= 0.5 & duration >= 
#>         14.5 & age >= 25.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00121899007, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         duration >= 22.5 & (creditAmount < 7274 | is.na(creditAmount)) & 
#>         age >= 29.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         duration >= 14.5 & age >= 25.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00158482022, creditHistory_existing.paid >= 
#>         0.5 & duration >= 22.5 & (creditAmount < 7274 | is.na(creditAmount)) & 
#>         age >= 29.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         duration >= 14.5 & age >= 25.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00484420871, (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (duration < 33 | is.na(duration)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 29.5 & ownTelephone_none >= 0.5 & duration >= 
#>         14.5 & age >= 25.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00962844118, employment_X..7 >= 0.5 & (duration < 33 | 
#>         is.na(duration)) & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & age >= 29.5 & ownTelephone_none >= 
#>         0.5 & duration >= 14.5 & age >= 25.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00328583526) + case_when((creditAmount < 
#>     3197.5 | is.na(creditAmount)) & savingsStatus_no.known.savings >= 
#>     0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) ~ 
#>     0.000409935106, creditAmount >= 3197.5 & savingsStatus_no.known.savings >= 
#>     0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) ~ 
#>     -0.0032280637, (creditAmount < 9743 | is.na(creditAmount)) & 
#>     creditAmount >= 6642.5 & ownTelephone_yes >= 0.5 ~ 0.00726547465, 
#>     creditAmount >= 9743 & creditAmount >= 6642.5 & ownTelephone_yes >= 
#>         0.5 ~ -0.000522496586, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.00185528502, residenceSince >= 
#>         3.5 & (housing_own < 0.5 | is.na(housing_own)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.00832220726, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         1807 | is.na(creditAmount)) & (creditAmount < 6642.5 | 
#>         is.na(creditAmount)) & ownTelephone_yes >= 0.5 ~ -0.00955633447, 
#>     personalStatus_male.single >= 0.5 & (creditAmount < 1807 | 
#>         is.na(creditAmount)) & (creditAmount < 6642.5 | is.na(creditAmount)) & 
#>         ownTelephone_yes >= 0.5 ~ -0.00195490313, (creditAmount < 
#>         2374 | is.na(creditAmount)) & (residenceSince < 1.5 | 
#>         is.na(residenceSince)) & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.000334841228, creditAmount >= 
#>         2374 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ -0.00275361538, employment_X4..X.7 >= 
#>         0.5 & residenceSince >= 1.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.00610453123, creditAmount >= 
#>         3344 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         creditAmount >= 1807 & (creditAmount < 6642.5 | is.na(creditAmount)) & 
#>         ownTelephone_yes >= 0.5 ~ 0.00365821971, (creditAmount < 
#>         3567 | is.na(creditAmount)) & existingCredits >= 1.5 & 
#>         creditAmount >= 1807 & (creditAmount < 6642.5 | is.na(creditAmount)) & 
#>         ownTelephone_yes >= 0.5 ~ -0.00244432408, creditAmount >= 
#>         3567 & existingCredits >= 1.5 & creditAmount >= 1807 & 
#>         (creditAmount < 6642.5 | is.na(creditAmount)) & ownTelephone_yes >= 
#>         0.5 ~ -0.0076698754, (duration < 22.5 | is.na(duration)) & 
#>         (creditAmount < 3344 | is.na(creditAmount)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 1807 & 
#>         (creditAmount < 6642.5 | is.na(creditAmount)) & ownTelephone_yes >= 
#>         0.5 ~ -0.00603115186, duration >= 22.5 & (creditAmount < 
#>         3344 | is.na(creditAmount)) & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & creditAmount >= 1807 & (creditAmount < 
#>         6642.5 | is.na(creditAmount)) & ownTelephone_yes >= 0.5 ~ 
#>         0.00199190737, (creditAmount < 1118 | is.na(creditAmount)) & 
#>         (duration < 16.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & residenceSince >= 
#>         1.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.00205403776, creditAmount >= 
#>         1118 & (duration < 16.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & residenceSince >= 
#>         1.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ -0.00593919214, purpose_radio.tv >= 
#>         0.5 & duration >= 16.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & residenceSince >= 1.5 & 
#>         housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.00063084875, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & duration >= 16.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & residenceSince >= 
#>         1.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.0121788504, personalStatus_male.single >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         duration >= 16.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         residenceSince >= 1.5 & housing_own >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ -4.28035019e-05) + case_when((creditAmount < 
#>     718 | is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00673680753, (creditAmount < 4970 | is.na(creditAmount)) & 
#>     purpose_used.car >= 0.5 ~ -0.00750447623, creditAmount >= 
#>     4970 & purpose_used.car >= 0.5 ~ -0.00149350089, propertyMagnitude_no.known.property >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     creditAmount >= 718 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00270005735, job_unskilled.resident >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     creditAmount >= 718 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00502438704, (age < 29.5 | is.na(age)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & employment_X1..X.4 >= 
#>     0.5 & creditAmount >= 718 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.00316800829, (age < 26.5 | is.na(age)) & installmentCommitment >= 
#>     2.5 & employment_X1..X.4 >= 0.5 & creditAmount >= 718 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00108401303, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & creditAmount >= 718 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ -0.00936675165, 
#>     propertyMagnitude_car >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & creditAmount >= 718 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000641896797, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         savingsStatus_X.100 >= 0.5 & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & creditAmount >= 718 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00459936773, (creditAmount < 
#>         3124 | is.na(creditAmount)) & age >= 29.5 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & employment_X1..X.4 >= 
#>         0.5 & creditAmount >= 718 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00502919964, creditAmount >= 
#>         3124 & age >= 29.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         employment_X1..X.4 >= 0.5 & creditAmount >= 718 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.000182161908, (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         age >= 26.5 & installmentCommitment >= 2.5 & employment_X1..X.4 >= 
#>         0.5 & creditAmount >= 718 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0123443827, creditHistory_critical.other.existing.credit >= 
#>         0.5 & age >= 26.5 & installmentCommitment >= 2.5 & employment_X1..X.4 >= 
#>         0.5 & creditAmount >= 718 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.000452391338, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (duration < 
#>         22.5 | is.na(duration)) & residenceSince >= 1.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 718 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00296285795, checkingStatus_X0..X.200 >= 0.5 & (duration < 
#>         22.5 | is.na(duration)) & residenceSince >= 1.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 718 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00407129573, (creditAmount < 3857 | is.na(creditAmount)) & 
#>         duration >= 22.5 & residenceSince >= 1.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 718 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00121366256, creditAmount >= 3857 & duration >= 22.5 & 
#>         residenceSince >= 1.5 & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 718 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00795564428) + case_when(job_unskilled.resident >= 
#>     0.5 & checkingStatus_no.checking >= 0.5 ~ 0.00540738087, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00150814606, 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & installmentCommitment >= 
#>         2.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00714345509, employment_X.1 >= 0.5 & installmentCommitment >= 
#>         2.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00223033968, employment_X.1 >= 0.5 & (creditAmount < 
#>         3910 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00559822004, installmentCommitment >= 2.5 & creditAmount >= 
#>         3910 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00893313251, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (age < 29.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.000849757111, installmentCommitment >= 3.5 & 
#>         (age < 29.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>         0.5 ~ 0.00218756264, (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & age >= 29.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & checkingStatus_no.checking >= 
#>         0.5 ~ -0.00375926727, otherPaymentPlans_none >= 0.5 & 
#>         age >= 29.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         checkingStatus_no.checking >= 0.5 ~ -0.00963233132, otherParties_guarantor >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditAmount < 3910 | is.na(creditAmount)) & residenceSince >= 
#>         1.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00603474537, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3910 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.0013537833, 
#>     existingCredits >= 1.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3910 & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00554945553, 
#>     (creditAmount < 1201 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 3910 | 
#>         is.na(creditAmount)) & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00515786838, 
#>     purpose_radio.tv >= 0.5 & employment_X1..X.4 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 3910 | 
#>         is.na(creditAmount)) & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ 0.00999156851, 
#>     (duration < 22.5 | is.na(duration)) & creditAmount >= 1201 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.00672829151, duration >= 22.5 & creditAmount >= 1201 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         -0.000225938653, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & employment_X1..X.4 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditAmount < 
#>         3910 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) ~ 
#>         0.00379578699, propertyMagnitude_real.estate >= 0.5 & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         employment_X1..X.4 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 3910 | 
#>         is.na(creditAmount)) & residenceSince >= 1.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) ~ -0.00324073713) + 
#>     case_when(creditAmount >= 7834 & checkingStatus_X0..X.200 >= 
#>         0.5 ~ 0.00760938087, (duration < 25.5 | is.na(duration)) & 
#>         creditAmount >= 4321 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) ~ 0.00746854721, creditAmount >= 
#>         2035.5 & (creditAmount < 2478 | is.na(creditAmount)) & 
#>         (creditAmount < 4321 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00563685689, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             creditAmount >= 2478 & (creditAmount < 4321 | is.na(creditAmount)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             -0.00257862918, creditHistory_existing.paid >= 0.5 & 
#>             creditAmount >= 2478 & (creditAmount < 4321 | is.na(creditAmount)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             -0.0090350844, duration >= 19.5 & (creditAmount < 
#>             3468.5 | is.na(creditAmount)) & (creditAmount < 7834 | 
#>             is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>             0.5 ~ 0.00887124613, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>             creditAmount >= 3468.5 & (creditAmount < 7834 | is.na(creditAmount)) & 
#>             checkingStatus_X0..X.200 >= 0.5 ~ 8.92748503e-05, 
#>         job_skilled >= 0.5 & creditAmount >= 3468.5 & (creditAmount < 
#>             7834 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>             0.5 ~ -0.00784845371, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (creditAmount < 7557 | is.na(creditAmount)) & duration >= 
#>             25.5 & creditAmount >= 4321 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00258705881, 
#>         ownTelephone_yes >= 0.5 & (creditAmount < 7557 | is.na(creditAmount)) & 
#>             duration >= 25.5 & creditAmount >= 4321 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00696735596, 
#>         (residenceSince < 2.5 | is.na(residenceSince)) & creditAmount >= 
#>             7557 & duration >= 25.5 & creditAmount >= 4321 & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             -0.00330340397, residenceSince >= 2.5 & creditAmount >= 
#>             7557 & duration >= 25.5 & creditAmount >= 4321 & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             -0.00814876799, residenceSince >= 2.5 & (duration < 
#>             19.5 | is.na(duration)) & (creditAmount < 3468.5 | 
#>             is.na(creditAmount)) & (creditAmount < 7834 | is.na(creditAmount)) & 
#>             checkingStatus_X0..X.200 >= 0.5 ~ -0.00426043756, 
#>         (age < 36.5 | is.na(age)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditAmount < 
#>             2035.5 | is.na(creditAmount)) & (creditAmount < 2478 | 
#>             is.na(creditAmount)) & (creditAmount < 4321 | is.na(creditAmount)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             -0.00899381749, age >= 36.5 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditAmount < 
#>             2035.5 | is.na(creditAmount)) & (creditAmount < 2478 | 
#>             is.na(creditAmount)) & (creditAmount < 4321 | is.na(creditAmount)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             -0.00205799914, (housing_own < 0.5 | is.na(housing_own)) & 
#>             installmentCommitment >= 3.5 & (creditAmount < 2035.5 | 
#>             is.na(creditAmount)) & (creditAmount < 2478 | is.na(creditAmount)) & 
#>             (creditAmount < 4321 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00558729982, 
#>         (duration < 11.5 | is.na(duration)) & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (duration < 19.5 | 
#>             is.na(duration)) & (creditAmount < 3468.5 | is.na(creditAmount)) & 
#>             (creditAmount < 7834 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>             0.5 ~ 0.0017128794, duration >= 11.5 & (residenceSince < 
#>             2.5 | is.na(residenceSince)) & (duration < 19.5 | 
#>             is.na(duration)) & (creditAmount < 3468.5 | is.na(creditAmount)) & 
#>             (creditAmount < 7834 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>             0.5 ~ 0.00495166657, (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & housing_own >= 
#>             0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>             2035.5 | is.na(creditAmount)) & (creditAmount < 2478 | 
#>             is.na(creditAmount)) & (creditAmount < 4321 | is.na(creditAmount)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             -0.00234589283, (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>             creditHistory_existing.paid >= 0.5 & housing_own >= 
#>             0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>             2035.5 | is.na(creditAmount)) & (creditAmount < 2478 | 
#>             is.na(creditAmount)) & (creditAmount < 4321 | is.na(creditAmount)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>             0.00249936385, job_unskilled.resident >= 0.5 & creditHistory_existing.paid >= 
#>             0.5 & housing_own >= 0.5 & installmentCommitment >= 
#>             3.5 & (creditAmount < 2035.5 | is.na(creditAmount)) & 
#>             (creditAmount < 2478 | is.na(creditAmount)) & (creditAmount < 
#>             4321 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00597597845) + 
#>     case_when((creditAmount < 647 | is.na(creditAmount)) ~ -0.00757981744, 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             creditAmount >= 647 ~ 0.00234851893, installmentCommitment >= 
#>             2.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             creditAmount >= 647 ~ -0.00698273629, (age < 24.5 | 
#>             is.na(age)) & housing_rent >= 0.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ -0.00117355096, age >= 
#>             24.5 & housing_rent >= 0.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ 0.00634528976, age >= 
#>             54.5 & employment_X..7 >= 0.5 & installmentCommitment >= 
#>             2.5 & residenceSince >= 1.5 & creditAmount >= 647 ~ 
#>             0.00470859231, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             (age < 30.5 | is.na(age)) & (housing_rent < 0.5 | 
#>             is.na(housing_rent)) & (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ -0.003617123, savingsStatus_X.100 >= 
#>             0.5 & (age < 30.5 | is.na(age)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ -0.00889481697, propertyMagnitude_life.insurance >= 
#>             0.5 & age >= 30.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             residenceSince >= 1.5 & creditAmount >= 647 ~ 0.00312634697, 
#>         employment_X.1 >= 0.5 & (age < 27.5 | is.na(age)) & (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & installmentCommitment >= 
#>             2.5 & residenceSince >= 1.5 & creditAmount >= 647 ~ 
#>             0.0123038627, otherPaymentPlans_stores >= 0.5 & age >= 
#>             27.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ 0.00893065892, (duration < 
#>             16 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             age >= 30.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             residenceSince >= 1.5 & creditAmount >= 647 ~ -0.00608546007, 
#>         duration >= 16 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             age >= 30.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             residenceSince >= 1.5 & creditAmount >= 647 ~ 0.000648537127, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (age < 27.5 | is.na(age)) & (employment_X..7 < 0.5 | 
#>             is.na(employment_X..7)) & installmentCommitment >= 
#>             2.5 & residenceSince >= 1.5 & creditAmount >= 647 ~ 
#>             0.00196956471, creditHistory_existing.paid >= 0.5 & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (age < 27.5 | is.na(age)) & (employment_X..7 < 0.5 | 
#>             is.na(employment_X..7)) & installmentCommitment >= 
#>             2.5 & residenceSince >= 1.5 & creditAmount >= 647 ~ 
#>             0.00660900213, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (age < 54.5 | is.na(age)) & employment_X..7 >= 0.5 & 
#>             installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ 0.000636202632, ownTelephone_none >= 
#>             0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (age < 54.5 | is.na(age)) & employment_X..7 >= 0.5 & 
#>             installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ 0.00301969075, (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & existingCredits >= 
#>             1.5 & (age < 54.5 | is.na(age)) & employment_X..7 >= 
#>             0.5 & installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ -0.000660490827, ownTelephone_none >= 
#>             0.5 & existingCredits >= 1.5 & (age < 54.5 | is.na(age)) & 
#>             employment_X..7 >= 0.5 & installmentCommitment >= 
#>             2.5 & residenceSince >= 1.5 & creditAmount >= 647 ~ 
#>             -0.00465646712, (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & (duration < 
#>             19 | is.na(duration)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & age >= 27.5 & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ 0.00631180452, checkingStatus_no.checking >= 
#>             0.5 & (duration < 19 | is.na(duration)) & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & age >= 27.5 & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ 0.000122318408, (residenceSince < 
#>             2.5 | is.na(residenceSince)) & duration >= 19 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & age >= 27.5 & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ 0.00271141017, residenceSince >= 
#>             2.5 & duration >= 19 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & age >= 27.5 & 
#>             (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>             installmentCommitment >= 2.5 & residenceSince >= 
#>             1.5 & creditAmount >= 647 ~ -0.00425672112) + case_when((age < 
#>     32.5 | is.na(age)) & (duration < 8 | is.na(duration)) ~ 0.00162258721, 
#>     age >= 32.5 & (duration < 8 | is.na(duration)) ~ -0.00693278713, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (installmentCommitment < 
#>         1.5 | is.na(installmentCommitment)) & duration >= 8 ~ 
#>         0.0126346741, ownTelephone_none >= 0.5 & (installmentCommitment < 
#>         1.5 | is.na(installmentCommitment)) & duration >= 8 ~ 
#>         -0.00149402581, (job_high.qualif.self.emp.mgmt < 0.5 | 
#>         is.na(job_high.qualif.self.emp.mgmt)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ -0.00843258575, job_high.qualif.self.emp.mgmt >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         installmentCommitment >= 1.5 & duration >= 8 ~ 0.00191305275, 
#>     age >= 44.5 & savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ -0.00422879634, (creditAmount < 
#>         2145 | is.na(creditAmount)) & (residenceSince < 1.5 | 
#>         is.na(residenceSince)) & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ -0.00339756929, creditAmount >= 
#>         2145 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         ownTelephone_none >= 0.5 & installmentCommitment >= 1.5 & 
#>         duration >= 8 ~ 0.000588115072, purpose_business >= 0.5 & 
#>         residenceSince >= 1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ -0.00455159834, age >= 33 & (age < 
#>         44.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ 0.00847604033, residenceSince >= 
#>         2.5 & (age < 33 | is.na(age)) & (age < 44.5 | is.na(age)) & 
#>         savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ -0.00251822593, (age < 37.5 | is.na(age)) & 
#>         job_unskilled.resident >= 0.5 & (purpose_business < 0.5 | 
#>         is.na(purpose_business)) & residenceSince >= 1.5 & ownTelephone_none >= 
#>         0.5 & installmentCommitment >= 1.5 & duration >= 8 ~ 
#>         0.00955876894, age >= 37.5 & job_unskilled.resident >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         residenceSince >= 1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ 0.00377015816, (creditAmount < 
#>         3132.5 | is.na(creditAmount)) & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & (age < 33 | is.na(age)) & (age < 
#>         44.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ 0.00101265789, creditAmount >= 
#>         3132.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (age < 33 | is.na(age)) & (age < 44.5 | is.na(age)) & 
#>         savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 0.5 | 
#>         is.na(ownTelephone_none)) & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ 0.00594394561, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (duration < 16.5 | 
#>         is.na(duration)) & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         residenceSince >= 1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ -0.00490597403, checkingStatus_X.0 >= 
#>         0.5 & (duration < 16.5 | is.na(duration)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & residenceSince >= 1.5 & 
#>         ownTelephone_none >= 0.5 & installmentCommitment >= 1.5 & 
#>         duration >= 8 ~ 0.00191096985, (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & duration >= 16.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & residenceSince >= 1.5 & 
#>         ownTelephone_none >= 0.5 & installmentCommitment >= 1.5 & 
#>         duration >= 8 ~ 0.00217741751, purpose_new.car >= 0.5 & 
#>         duration >= 16.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         residenceSince >= 1.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>         1.5 & duration >= 8 ~ 0.0105692167) + case_when(age >= 
#>     34.5 & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00788067561, duration >= 43.5 & otherPaymentPlans_none >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ 0.00714493217, 
#>     (age < 37 | is.na(age)) & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00371301128, age >= 37 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.000151368178, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.000742613338, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (age < 34.5 | is.na(age)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00383503339, checkingStatus_X.0 >= 0.5 & (age < 34.5 | 
#>         is.na(age)) & (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00448607374, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         savingsStatus_X.100 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00297317328, job_skilled >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00936020538, (age < 22.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         43.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00504468568, (age < 32.5 | is.na(age)) & savingsStatus_no.known.savings >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0059295753, age >= 32.5 & savingsStatus_no.known.savings >= 
#>         0.5 & (duration < 43.5 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00211474975, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         checkingStatus_no.checking >= 0.5 & age >= 22.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         43.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00837690011, installmentCommitment >= 3.5 & checkingStatus_no.checking >= 
#>         0.5 & age >= 22.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         43.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00276155979, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (age < 33.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 22.5 & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & (duration < 
#>         43.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00249640038, creditHistory_existing.paid >= 0.5 & (age < 
#>         33.5 | is.na(age)) & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & age >= 22.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (duration < 
#>         43.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00532596326, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & age >= 
#>         33.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 22.5 & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & (duration < 
#>         43.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00624493742, personalStatus_female.div.dep.mar >= 0.5 & 
#>         age >= 33.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 22.5 & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & (duration < 
#>         43.5 | is.na(duration)) & otherPaymentPlans_none >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00369916041) + case_when((personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>     2419.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.000401770376, (creditAmount < 
#>     4065 | is.na(creditAmount)) & creditAmount >= 2419.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ -0.00577302091, (duration < 
#>     16.5 | is.na(duration)) & personalStatus_male.single >= 0.5 & 
#>     (creditAmount < 2419.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.00426306995, duration >= 
#>     16.5 & personalStatus_male.single >= 0.5 & (creditAmount < 
#>     2419.5 | is.na(creditAmount)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.0111758877, (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 4065 & creditAmount >= 2419.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ 0.00758301187, creditHistory_critical.other.existing.credit >= 
#>     0.5 & creditAmount >= 4065 & creditAmount >= 2419.5 & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) ~ -0.000910042261, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>     0.5 ~ -0.00468696235, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>     0.5 ~ -0.00237826956, existingCredits >= 1.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00907522161, (duration < 
#>     22.5 | is.na(duration)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & checkingStatus_X0..X.200 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ -0.00664364873, duration >= 
#>     19.5 & creditHistory_existing.paid >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ 0.0105153928, (residenceSince < 
#>     3.5 | is.na(residenceSince)) & duration >= 22.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & checkingStatus_X0..X.200 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ 0.00129985658, residenceSince >= 
#>     3.5 & duration >= 22.5 & (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & checkingStatus_X0..X.200 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ 0.00540050492, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (duration < 19.5 | 
#>     is.na(duration)) & creditHistory_existing.paid >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 ~ -0.00154821156, installmentCommitment >= 
#>     3.5 & (duration < 19.5 | is.na(duration)) & creditHistory_existing.paid >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & otherPaymentPlans_none >= 
#>     0.5 ~ 0.000799002941, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00642837584, job_unskilled.resident >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00108559022, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & ownTelephone_none >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.00437533902, employment_X1..X.4 >= 
#>     0.5 & ownTelephone_none >= 0.5 & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.00428301515, (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & checkingStatus_X.0 >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     otherPaymentPlans_none >= 0.5 ~ 0.00983530283, purpose_furniture.equipment >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     checkingStatus_X.0 >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     otherPaymentPlans_none >= 0.5 ~ -0.000347618858) + case_when((duration < 
#>     8.5 | is.na(duration)) ~ -0.00731048035, purpose_used.car >= 
#>     0.5 & (age < 44.5 | is.na(age)) & duration >= 8.5 ~ -0.00521731051, 
#>     age >= 40.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 44.5 | is.na(age)) & duration >= 8.5 ~ 0.00917227753, 
#>     (creditAmount < 3625 | is.na(creditAmount)) & (age < 52.5 | 
#>         is.na(age)) & age >= 44.5 & duration >= 8.5 ~ -0.00787257217, 
#>     creditAmount >= 3625 & (age < 52.5 | is.na(age)) & age >= 
#>         44.5 & duration >= 8.5 ~ -0.000839959539, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & age >= 52.5 & age >= 
#>         44.5 & duration >= 8.5 ~ 0.00475529116, checkingStatus_X.0 >= 
#>         0.5 & age >= 52.5 & age >= 44.5 & duration >= 8.5 ~ -0.000714516034, 
#>     savingsStatus_no.known.savings >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (age < 40.5 | 
#>         is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 44.5 | is.na(age)) & duration >= 8.5 ~ 0.00598361762, 
#>     residenceSince >= 3.5 & checkingStatus_X0..X.200 >= 0.5 & 
#>         (age < 40.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) & 
#>         duration >= 8.5 ~ 0.000602843764, (age < 23.5 | is.na(age)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (age < 40.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) & 
#>         duration >= 8.5 ~ -0.00681298878, (age < 25.5 | is.na(age)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (age < 40.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) & 
#>         duration >= 8.5 ~ 0.0115600415, (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & age >= 23.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (age < 40.5 | 
#>         is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 44.5 | is.na(age)) & duration >= 8.5 ~ -0.000906693633, 
#>     employment_X4..X.7 >= 0.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (age < 40.5 | 
#>         is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 44.5 | is.na(age)) & duration >= 8.5 ~ 0.00377069414, 
#>     (duration < 28.5 | is.na(duration)) & age >= 25.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & checkingStatus_X0..X.200 >= 
#>         0.5 & (age < 40.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) & 
#>         duration >= 8.5 ~ 0.0030270007, duration >= 28.5 & age >= 
#>         25.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & (age < 40.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (age < 44.5 | is.na(age)) & duration >= 8.5 ~ -0.00128490361) + 
#>     case_when((creditAmount < 653 | is.na(creditAmount)) ~ -0.00810495112, 
#>         personalStatus_male.mar.wid >= 0.5 & creditAmount >= 
#>             653 ~ -0.00659115193, (age < 27.5 | is.na(age)) & 
#>             (creditAmount < 1287 | is.na(creditAmount)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ 0.000189696992, age >= 27.5 & (creditAmount < 
#>             1287 | is.na(creditAmount)) & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ 0.0108233048, duration >= 28.5 & (creditAmount < 
#>             7480.5 | is.na(creditAmount)) & ownTelephone_yes >= 
#>             0.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ 0.00283656968, (duration < 
#>             37.5 | is.na(duration)) & creditAmount >= 7480.5 & 
#>             ownTelephone_yes >= 0.5 & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ 0.0090844566, duration >= 37.5 & creditAmount >= 
#>             7480.5 & ownTelephone_yes >= 0.5 & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ -0.00470002694, creditAmount >= 4441.5 & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & creditAmount >= 
#>             1287 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ 0.000150545951, installmentCommitment >= 
#>             3.5 & (duration < 28.5 | is.na(duration)) & (creditAmount < 
#>             7480.5 | is.na(creditAmount)) & ownTelephone_yes >= 
#>             0.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ -0.00851523783, (creditAmount < 
#>             3503 | is.na(creditAmount)) & (creditAmount < 4441.5 | 
#>             is.na(creditAmount)) & (installmentCommitment < 2.5 | 
#>             is.na(installmentCommitment)) & creditAmount >= 1287 & 
#>             (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ -0.00141585094, creditAmount >= 
#>             3503 & (creditAmount < 4441.5 | is.na(creditAmount)) & 
#>             (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             creditAmount >= 1287 & (ownTelephone_yes < 0.5 | 
#>             is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ -0.0102127613, (creditAmount < 2364.5 | is.na(creditAmount)) & 
#>             (housing_own < 0.5 | is.na(housing_own)) & installmentCommitment >= 
#>             2.5 & creditAmount >= 1287 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ 0.00184738671, creditAmount >= 2364.5 & (housing_own < 
#>             0.5 | is.na(housing_own)) & installmentCommitment >= 
#>             2.5 & creditAmount >= 1287 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ 0.00675693201, age >= 40 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (duration < 
#>             28.5 | is.na(duration)) & (creditAmount < 7480.5 | 
#>             is.na(creditAmount)) & ownTelephone_yes >= 0.5 & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ -0.00739292894, (creditAmount < 
#>             2521 | is.na(creditAmount)) & (age < 29.5 | is.na(age)) & 
#>             housing_own >= 0.5 & installmentCommitment >= 2.5 & 
#>             creditAmount >= 1287 & (ownTelephone_yes < 0.5 | 
#>             is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ -0.000587749528, creditAmount >= 2521 & (age < 
#>             29.5 | is.na(age)) & housing_own >= 0.5 & installmentCommitment >= 
#>             2.5 & creditAmount >= 1287 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ -0.00636786735, (employment_X1..X.4 < 0.5 | 
#>             is.na(employment_X1..X.4)) & age >= 29.5 & housing_own >= 
#>             0.5 & installmentCommitment >= 2.5 & creditAmount >= 
#>             1287 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ -0.000824170886, employment_X1..X.4 >= 
#>             0.5 & age >= 29.5 & housing_own >= 0.5 & installmentCommitment >= 
#>             2.5 & creditAmount >= 1287 & (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & creditAmount >= 
#>             653 ~ 0.00932759698, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (age < 40 | is.na(age)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (duration < 
#>             28.5 | is.na(duration)) & (creditAmount < 7480.5 | 
#>             is.na(creditAmount)) & ownTelephone_yes >= 0.5 & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ -0.00149692397, residenceSince >= 
#>             2.5 & (age < 40 | is.na(age)) & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (duration < 
#>             28.5 | is.na(duration)) & (creditAmount < 7480.5 | 
#>             is.na(creditAmount)) & ownTelephone_yes >= 0.5 & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             creditAmount >= 653 ~ 0.00449453294) + case_when((creditAmount < 
#>     767.5 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>     0.5 & (duration < 14.5 | is.na(duration)) ~ -0.00363581465, 
#>     creditAmount >= 767.5 & propertyMagnitude_real.estate >= 
#>         0.5 & (duration < 14.5 | is.na(duration)) ~ -0.00900579151, 
#>     (creditAmount < 1282.5 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ 0.00787523761, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         propertyMagnitude_real.estate >= 0.5 & duration >= 14.5 ~ 
#>         0.00883609522, ownTelephone_yes >= 0.5 & propertyMagnitude_real.estate >= 
#>         0.5 & duration >= 14.5 ~ 0.000991933281, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (creditAmount < 1370 | 
#>         is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         14.5 | is.na(duration)) ~ 0.00134426111, residenceSince >= 
#>         2.5 & (creditAmount < 1370 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         14.5 | is.na(duration)) ~ 0.00738095399, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & creditAmount >= 1370 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 14.5 | is.na(duration)) ~ 9.20138336e-05, 
#>     ownTelephone_none >= 0.5 & creditAmount >= 1370 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         14.5 | is.na(duration)) ~ -0.00972410664, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & creditAmount >= 1282.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ -0.00380976847, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         employment_X..7 >= 0.5 & creditAmount >= 1282.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ 0.000632104464, savingsStatus_no.known.savings >= 
#>         0.5 & residenceSince >= 1.5 & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & creditAmount >= 1282.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ -0.00556321256, (duration < 28.5 | is.na(duration)) & 
#>         residenceSince >= 2.5 & employment_X..7 >= 0.5 & creditAmount >= 
#>         1282.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         duration >= 14.5 ~ -0.00822052546, duration >= 28.5 & 
#>         residenceSince >= 2.5 & employment_X..7 >= 0.5 & creditAmount >= 
#>         1282.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         duration >= 14.5 ~ -0.00073547347, (age < 30.5 | is.na(age)) & 
#>         (creditAmount < 4189.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & residenceSince >= 
#>         1.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 1282.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ -0.00254550809, age >= 30.5 & (creditAmount < 
#>         4189.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & residenceSince >= 
#>         1.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 1282.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ 0.00534381811, (age < 29 | is.na(age)) & creditAmount >= 
#>         4189.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         residenceSince >= 1.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 1282.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ 0.00955261104, age >= 29 & creditAmount >= 4189.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         residenceSince >= 1.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         creditAmount >= 1282.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         14.5 ~ 0.00325754704) + case_when(job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.00260743219, checkingStatus_X..200 >= 0.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & installmentCommitment >= 2.5 ~ 
#>     0.00815993734, (age < 32.5 | is.na(age)) & housing_rent >= 
#>     0.5 & installmentCommitment >= 2.5 ~ 0.00930443965, age >= 
#>     32.5 & housing_rent >= 0.5 & installmentCommitment >= 2.5 ~ 
#>     -0.00378268259, propertyMagnitude_life.insurance >= 0.5 & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.00564724207, (age < 33.5 | is.na(age)) & personalStatus_male.single >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.00933597796, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ 0.00113994873, personalStatus_female.div.dep.mar >= 
#>     0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.00754458876, (duration < 15 | is.na(duration)) & age >= 
#>     33.5 & personalStatus_male.single >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00765301799, duration >= 
#>     15 & age >= 33.5 & personalStatus_male.single >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.000490446808, creditAmount >= 
#>     3493.5 & (duration < 33 | is.na(duration)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (housing_rent < 0.5 | 
#>     is.na(housing_rent)) & installmentCommitment >= 2.5 ~ 0.00243731355, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 33 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>         2.5 ~ -0.00125450012, savingsStatus_X.100 >= 0.5 & duration >= 
#>         33 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>         2.5 ~ 0.00692640431, numDependents >= 1.5 & (creditAmount < 
#>         1955 | is.na(creditAmount)) & (creditAmount < 3493.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>         2.5 ~ 0.00729777059, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         creditAmount >= 1955 & (creditAmount < 3493.5 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>         2.5 ~ -0.00939915888, existingCredits >= 1.5 & creditAmount >= 
#>         1955 & (creditAmount < 3493.5 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>         2.5 ~ -0.0032654698, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (creditAmount < 
#>         1955 | is.na(creditAmount)) & (creditAmount < 3493.5 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>         2.5 ~ -0.00841939356, residenceSince >= 1.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (creditAmount < 1955 | 
#>         is.na(creditAmount)) & (creditAmount < 3493.5 | is.na(creditAmount)) & 
#>         (duration < 33 | is.na(duration)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & installmentCommitment >= 
#>         2.5 ~ 1.43009329e-05) + case_when(employment_X4..X.7 >= 
#>     0.5 & creditAmount >= 7493.5 ~ 0.000153582674, (age < 28.5 | 
#>     is.na(age)) & employment_X4..X.7 >= 0.5 & (creditAmount < 
#>     7493.5 | is.na(creditAmount)) ~ -0.00263069593, age >= 28.5 & 
#>     employment_X4..X.7 >= 0.5 & (creditAmount < 7493.5 | is.na(creditAmount)) ~ 
#>     -0.00986441225, (age < 30.5 | is.na(age)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & creditAmount >= 7493.5 ~ 
#>     0.00949507859, age >= 30.5 & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) & creditAmount >= 7493.5 ~ 0.0013400584, 
#>     personalStatus_male.div.sep >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 7493.5 | is.na(creditAmount)) ~ 0.00315582147, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         duration >= 25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 7493.5 | is.na(creditAmount)) ~ -0.00143489905, 
#>     (housing_own < 0.5 | is.na(housing_own)) & savingsStatus_X.100 >= 
#>         0.5 & duration >= 25.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ 0.00626745867, (age < 31.5 | is.na(age)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ -0.010420097, (age < 31.5 | is.na(age)) & 
#>         housing_own >= 0.5 & savingsStatus_X.100 >= 0.5 & duration >= 
#>         25.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 7493.5 | is.na(creditAmount)) ~ 0.00306087127, 
#>     age >= 31.5 & housing_own >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & duration >= 25.5 & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ -0.00188722159, residenceSince >= 
#>         2.5 & employment_X.1 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ 0.000717607036, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & age >= 31.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ -0.00722139748, job_skilled >= 
#>         0.5 & age >= 31.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ 0.000523011549, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ -0.00297917519, purpose_furniture.equipment >= 
#>         0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ 0.00447998894, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & residenceSince >= 
#>         2.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ -0.00721739791, propertyMagnitude_car >= 
#>         0.5 & residenceSince >= 2.5 & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ -0.000472384767, (creditAmount < 
#>         1541.5 | is.na(creditAmount)) & (residenceSince < 2.5 | 
#>         is.na(residenceSince)) & employment_X.1 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ 0.00483764475, creditAmount >= 
#>         1541.5 & (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         employment_X.1 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (duration < 25.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 7493.5 | 
#>         is.na(creditAmount)) ~ 0.00123550533) + case_when((savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & purpose_used.car >= 0.5 ~ 
#>     -0.00322631351, savingsStatus_X.100 >= 0.5 & purpose_used.car >= 
#>     0.5 ~ -0.00766138872, (age < 22.5 | is.na(age)) & checkingStatus_X.0 >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00469561806, numDependents >= 1.5 & (duration < 20.5 | 
#>     is.na(duration)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.00437230803, 
#>     otherParties_guarantor >= 0.5 & age >= 22.5 & checkingStatus_X.0 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00359830097, age >= 42.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (duration < 20.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.009226433, age >= 34.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         20.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00167189375, savingsStatus_X.100 >= 0.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & duration >= 20.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00716695283, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 22.5 & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.000786097255, creditAmount >= 
#>         2296.5 & (age < 42.5 | is.na(age)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (duration < 20.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00796491466, (creditAmount < 4174.5 | is.na(creditAmount)) & 
#>         (age < 34.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & duration >= 
#>         20.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00691617653, creditAmount >= 4174.5 & (age < 34.5 | 
#>         is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         duration >= 20.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000222483781, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & duration >= 20.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00298310863, ownTelephone_none >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & checkingStatus_X0..X.200 >= 
#>         0.5 & duration >= 20.5 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00183579617, job_unskilled.resident >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 22.5 & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.000729069929, creditAmount >= 
#>         1461 & (creditAmount < 2296.5 | is.na(creditAmount)) & 
#>         (age < 42.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (duration < 20.5 | is.na(duration)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00186809315, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         age >= 22.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00929911993, (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (creditAmount < 
#>         1461 | is.na(creditAmount)) & (creditAmount < 2296.5 | 
#>         is.na(creditAmount)) & (age < 42.5 | is.na(age)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (duration < 20.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00243410212, checkingStatus_X0..X.200 >= 0.5 & (creditAmount < 
#>         1461 | is.na(creditAmount)) & (creditAmount < 2296.5 | 
#>         is.na(creditAmount)) & (age < 42.5 | is.na(age)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (duration < 20.5 | is.na(duration)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00781965163, (age < 27.5 | is.na(age)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         savingsStatus_X.100 >= 0.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 22.5 & 
#>         checkingStatus_X.0 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00484785996, age >= 27.5 & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & savingsStatus_X.100 >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         age >= 22.5 & checkingStatus_X.0 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.000272699952) + case_when((otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.000281275308, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00603023265, duration >= 29 & otherPaymentPlans_none >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.00118461694, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     savingsStatus_X.100 >= 0.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00801447965, checkingStatus_X0..X.200 >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00199304009, age >= 37.5 & (duration < 13 | is.na(duration)) & 
#>     creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00245185732, existingCredits >= 1.5 & duration >= 13 & 
#>     creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.0018235473, (age < 38.5 | is.na(age)) & (duration < 29 | 
#>     is.na(duration)) & otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00996970478, age >= 38.5 & (duration < 29 | is.na(duration)) & 
#>     otherPaymentPlans_none >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00328423642, creditAmount >= 1555.5 & (age < 37.5 | 
#>     is.na(age)) & (duration < 13 | is.na(duration)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.00223904219, 
#>     creditAmount >= 1292 & (creditAmount < 1555.5 | is.na(creditAmount)) & 
#>         (age < 37.5 | is.na(age)) & (duration < 13 | is.na(duration)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0119318031, creditAmount >= 5921.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & duration >= 13 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000184914927, (creditAmount < 3363.5 | is.na(creditAmount)) & 
#>         employment_X1..X.4 >= 0.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & duration >= 13 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00371012883, creditAmount >= 3363.5 & employment_X1..X.4 >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         duration >= 13 & creditHistory_existing.paid >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00180191896, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1292 | is.na(creditAmount)) & (creditAmount < 1555.5 | 
#>         is.na(creditAmount)) & (age < 37.5 | is.na(age)) & (duration < 
#>         13 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00587732438, propertyMagnitude_real.estate >= 0.5 & 
#>         (creditAmount < 1292 | is.na(creditAmount)) & (creditAmount < 
#>         1555.5 | is.na(creditAmount)) & (age < 37.5 | is.na(age)) & 
#>         (duration < 13 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00447136303, purpose_radio.tv >= 0.5 & (creditAmount < 
#>         5921.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & duration >= 13 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.010749558, (creditAmount < 1942.5 | is.na(creditAmount)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditAmount < 5921.5 | is.na(creditAmount)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & duration >= 13 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00191134075, creditAmount >= 1942.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditAmount < 5921.5 | 
#>         is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & duration >= 
#>         13 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.006883441) + case_when(otherParties_guarantor >= 0.5 & 
#>     (creditAmount < 4066.5 | is.na(creditAmount)) ~ -0.00828905776, 
#>     personalStatus_female.div.dep.mar >= 0.5 & creditAmount >= 
#>         4066.5 ~ 0.0100330897, purpose_used.car >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         4066.5 ~ -0.00437756395, creditAmount >= 3441 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ -0.00410003075, 
#>     otherPaymentPlans_bank >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ 0.00332546397, 
#>     (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         creditAmount >= 4066.5 ~ -0.0012361604, employment_X4..X.7 >= 
#>         0.5 & (creditAmount < 3441 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ -0.00343774608, 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ -0.00776199484, 
#>     employment_X..7 >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ -0.00132142694, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         otherPaymentPlans_none >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         4066.5 ~ 0.00198461255, installmentCommitment >= 2.5 & 
#>         otherPaymentPlans_none >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         4066.5 ~ 0.0105139865, creditAmount >= 2611 & duration >= 
#>         16.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 3441 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ 0.00150666072, 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (creditAmount < 979 | is.na(creditAmount)) & (duration < 
#>         16.5 | is.na(duration)) & (employment_X4..X.7 < 0.5 | 
#>         is.na(employment_X4..X.7)) & (creditAmount < 3441 | is.na(creditAmount)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ 0.0011367558, 
#>     job_unskilled.resident >= 0.5 & (creditAmount < 979 | is.na(creditAmount)) & 
#>         (duration < 16.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3441 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ 0.00549179921, 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         creditAmount >= 979 & (duration < 16.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 3441 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ 0.000693458074, 
#>     propertyMagnitude_real.estate >= 0.5 & creditAmount >= 979 & 
#>         (duration < 16.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3441 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ -0.00734243728, 
#>     (duration < 22.5 | is.na(duration)) & (creditAmount < 2611 | 
#>         is.na(creditAmount)) & duration >= 16.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3441 | 
#>         is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ 0.0124328751, 
#>     duration >= 22.5 & (creditAmount < 2611 | is.na(creditAmount)) & 
#>         duration >= 16.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 3441 | is.na(creditAmount)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (creditAmount < 4066.5 | is.na(creditAmount)) ~ 0.00436161691) + 
#>     case_when((duration < 8 | is.na(duration)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00680937618, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & purpose_used.car >= 
#>         0.5 ~ -0.00288498495, personalStatus_male.single >= 0.5 & 
#>         purpose_used.car >= 0.5 ~ -0.00863277912, personalStatus_male.div.sep >= 
#>         0.5 & duration >= 8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00644702651, otherPaymentPlans_stores >= 0.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>         8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00603638031, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         purpose_business >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>         8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00974575337, savingsStatus_X.100 >= 0.5 & purpose_business >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         duration >= 8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00027976837, (creditAmount < 718 | is.na(creditAmount)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         duration >= 8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0063224691, (creditAmount < 938 | is.na(creditAmount)) & 
#>         creditAmount >= 718 & (otherPaymentPlans_stores < 0.5 | 
#>         is.na(otherPaymentPlans_stores)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>         8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00967430137, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditAmount >= 938 & creditAmount >= 718 & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>         8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000797144021, employment_X1..X.4 >= 0.5 & creditAmount >= 
#>         938 & creditAmount >= 718 & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & duration >= 
#>         8 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00392966392) + case_when((creditAmount < 687 | is.na(creditAmount)) ~ 
#>     -0.0104279723, (duration < 11.5 | is.na(duration)) & (creditAmount < 
#>     1373 | is.na(creditAmount)) & creditAmount >= 687 ~ 0.000749387196, 
#>     purpose_new.car >= 0.5 & duration >= 11.5 & (creditAmount < 
#>         1373 | is.na(creditAmount)) & creditAmount >= 687 ~ 0.00910269748, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (creditAmount < 
#>         1811.5 | is.na(creditAmount)) & creditAmount >= 1373 & 
#>         creditAmount >= 687 ~ -0.00256541604, job_skilled >= 
#>         0.5 & (creditAmount < 1811.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1373 & creditAmount >= 687 ~ -0.00678162556, 
#>     (creditAmount < 955.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & duration >= 11.5 & (creditAmount < 
#>         1373 | is.na(creditAmount)) & creditAmount >= 687 ~ 0.00637640525, 
#>     creditAmount >= 955.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         duration >= 11.5 & (creditAmount < 1373 | is.na(creditAmount)) & 
#>         creditAmount >= 687 ~ -0.000724934158, creditAmount >= 
#>         6523.5 & purpose_used.car >= 0.5 & creditAmount >= 1811.5 & 
#>         creditAmount >= 1373 & creditAmount >= 687 ~ 0.000182031275, 
#>     purpose_furniture.equipment >= 0.5 & (creditAmount < 2400.5 | 
#>         is.na(creditAmount)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1811.5 & creditAmount >= 1373 & creditAmount >= 
#>         687 ~ 0.00766667118, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (creditAmount < 6523.5 | is.na(creditAmount)) & purpose_used.car >= 
#>         0.5 & creditAmount >= 1811.5 & creditAmount >= 1373 & 
#>         creditAmount >= 687 ~ -0.00188034959, housing_own >= 
#>         0.5 & (creditAmount < 6523.5 | is.na(creditAmount)) & 
#>         purpose_used.car >= 0.5 & creditAmount >= 1811.5 & creditAmount >= 
#>         1373 & creditAmount >= 687 ~ -0.00873625465, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>         2400.5 | is.na(creditAmount)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 1811.5 & creditAmount >= 
#>         1373 & creditAmount >= 687 ~ 0.00717492215, residenceSince >= 
#>         2.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditAmount < 2400.5 | is.na(creditAmount)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 1811.5 & 
#>         creditAmount >= 1373 & creditAmount >= 687 ~ -0.0023996979, 
#>     savingsStatus_no.known.savings >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2400.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1811.5 & creditAmount >= 1373 & creditAmount >= 
#>         687 ~ -0.00573305599, (creditAmount < 6487.5 | is.na(creditAmount)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         creditAmount >= 2400.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1811.5 & creditAmount >= 1373 & creditAmount >= 
#>         687 ~ -0.00728353253, creditAmount >= 6487.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & creditAmount >= 2400.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 1811.5 & creditAmount >= 
#>         1373 & creditAmount >= 687 ~ 0.000262441201, (creditAmount < 
#>         3024 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2400.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1811.5 & creditAmount >= 1373 & creditAmount >= 
#>         687 ~ -0.00216650101, creditAmount >= 3024 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         creditAmount >= 2400.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 1811.5 & creditAmount >= 1373 & creditAmount >= 
#>         687 ~ 0.00353378733) + case_when((creditAmount < 683.5 | 
#>     is.na(creditAmount)) ~ -0.00985674281, employment_X1..X.4 >= 
#>     0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (age < 27.5 | is.na(age)) & creditAmount >= 683.5 ~ 0.0014876076, 
#>     duration >= 25.5 & installmentCommitment >= 2.5 & (age < 
#>         27.5 | is.na(age)) & creditAmount >= 683.5 ~ 0.00730929337, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (age < 27.5 | is.na(age)) & creditAmount >= 683.5 ~ -0.00963432342, 
#>     savingsStatus_X.100 >= 0.5 & (employment_X1..X.4 < 0.5 | 
#>         is.na(employment_X1..X.4)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (age < 27.5 | is.na(age)) & 
#>         creditAmount >= 683.5 ~ -0.00137393549, housing_rent >= 
#>         0.5 & (duration < 25.5 | is.na(duration)) & installmentCommitment >= 
#>         2.5 & (age < 27.5 | is.na(age)) & creditAmount >= 683.5 ~ 
#>         0.00228956784, duration >= 16.5 & (duration < 27 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 27.5 & creditAmount >= 683.5 ~ 0.00948824175, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         duration >= 27 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 27.5 & creditAmount >= 683.5 ~ -0.00411727326, 
#>     creditHistory_existing.paid >= 0.5 & duration >= 27 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & age >= 27.5 & creditAmount >= 
#>         683.5 ~ 0.0027414863, (duration < 22.5 | is.na(duration)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         ownTelephone_yes >= 0.5 & age >= 27.5 & creditAmount >= 
#>         683.5 ~ 0.00749114016, duration >= 33 & creditHistory_existing.paid >= 
#>         0.5 & ownTelephone_yes >= 0.5 & age >= 27.5 & creditAmount >= 
#>         683.5 ~ 0.0038964909, (duration < 14 | is.na(duration)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (duration < 
#>         25.5 | is.na(duration)) & installmentCommitment >= 2.5 & 
#>         (age < 27.5 | is.na(age)) & creditAmount >= 683.5 ~ -0.000920873135, 
#>     duration >= 14 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (duration < 25.5 | is.na(duration)) & installmentCommitment >= 
#>         2.5 & (age < 27.5 | is.na(age)) & creditAmount >= 683.5 ~ 
#>         -0.00629855134, propertyMagnitude_real.estate >= 0.5 & 
#>         (duration < 16.5 | is.na(duration)) & (duration < 27 | 
#>         is.na(duration)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 27.5 & creditAmount >= 683.5 ~ -0.000347351423, 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         duration >= 22.5 & (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & ownTelephone_yes >= 
#>         0.5 & age >= 27.5 & creditAmount >= 683.5 ~ -0.0030250554, 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & duration >= 22.5 & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         ownTelephone_yes >= 0.5 & age >= 27.5 & creditAmount >= 
#>         683.5 ~ 0.0031166526, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (duration < 33 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & ownTelephone_yes >= 0.5 & age >= 27.5 & creditAmount >= 
#>         683.5 ~ -0.000651857408, (age < 36 | is.na(age)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>         16.5 | is.na(duration)) & (duration < 27 | is.na(duration)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 27.5 & creditAmount >= 683.5 ~ 0.00661587995, 
#>     age >= 36 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 16.5 | is.na(duration)) & (duration < 27 | 
#>         is.na(duration)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 27.5 & creditAmount >= 683.5 ~ 0.00260286126, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & housing_own >= 
#>         0.5 & (duration < 33 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & ownTelephone_yes >= 0.5 & age >= 27.5 & creditAmount >= 
#>         683.5 ~ -0.00160566077, residenceSince >= 3.5 & housing_own >= 
#>         0.5 & (duration < 33 | is.na(duration)) & creditHistory_existing.paid >= 
#>         0.5 & ownTelephone_yes >= 0.5 & age >= 27.5 & creditAmount >= 
#>         683.5 ~ -0.00878301635) + case_when(checkingStatus_X..200 >= 
#>     0.5 ~ -0.00639722496, (duration < 8.5 | is.na(duration)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00475494238, otherParties_guarantor >= 0.5 & ownTelephone_none >= 
#>     0.5 & duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00400764076, checkingStatus_X.0 >= 0.5 & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & duration >= 8.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00661099795, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & installmentCommitment >= 
#>     3.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00797134731, personalStatus_female.div.dep.mar >= 0.5 & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & duration >= 
#>     8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00516390242, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & savingsStatus_X.100 >= 
#>     0.5 & installmentCommitment >= 3.5 & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & duration >= 8.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.000624905573, personalStatus_female.div.dep.mar >= 
#>     0.5 & savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>     3.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00196555513, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>     1561.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>     0.5 & duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.00237629958, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & duration >= 
#>     8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.0059475801, propertyMagnitude_car >= 0.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & duration >= 8.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00111918862, (duration < 
#>     19.5 | is.na(duration)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (creditAmount < 1561.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>     0.5 & duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.0110358419, duration >= 19.5 & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & (creditAmount < 1561.5 | is.na(creditAmount)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     ownTelephone_none >= 0.5 & duration >= 8.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.0027887756, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (duration < 16.5 | 
#>     is.na(duration)) & creditAmount >= 1561.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>     0.5 & duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.000207186429, creditHistory_existing.paid >= 0.5 & (duration < 
#>     16.5 | is.na(duration)) & creditAmount >= 1561.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>     0.5 & duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00894437078, purpose_radio.tv >= 0.5 & duration >= 16.5 & 
#>     creditAmount >= 1561.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & ownTelephone_none >= 0.5 & 
#>     duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00274041668, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & duration >= 
#>     16.5 & creditAmount >= 1561.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) & ownTelephone_none >= 
#>     0.5 & duration >= 8.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     0.000474311266, installmentCommitment >= 1.5 & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) & duration >= 16.5 & creditAmount >= 
#>     1561.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>     ownTelephone_none >= 0.5 & duration >= 8.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00765683688) + case_when((ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (otherParties_none < 0.5 | 
#>     is.na(otherParties_none)) ~ -0.00193692616, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & ownTelephone_none >= 0.5 & 
#>     (otherParties_none < 0.5 | is.na(otherParties_none)) ~ -0.00924316887, 
#>     employment_X1..X.4 >= 0.5 & ownTelephone_none >= 0.5 & (otherParties_none < 
#>         0.5 | is.na(otherParties_none)) ~ -0.0027273749, (creditAmount < 
#>         708 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & otherParties_none >= 
#>         0.5 ~ -0.00620208913, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         savingsStatus_no.known.savings >= 0.5 & otherParties_none >= 
#>         0.5 ~ -0.000237531771, ownTelephone_none >= 0.5 & savingsStatus_no.known.savings >= 
#>         0.5 & otherParties_none >= 0.5 ~ -0.0073566311, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & creditAmount >= 708 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         otherParties_none >= 0.5 ~ 0.00223513297, installmentCommitment >= 
#>         2.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         creditAmount >= 708 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & otherParties_none >= 
#>         0.5 ~ -0.00817372929, otherPaymentPlans_stores >= 0.5 & 
#>         residenceSince >= 1.5 & creditAmount >= 708 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & otherParties_none >= 
#>         0.5 ~ 0.00914996676, (duration < 9.5 | is.na(duration)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         residenceSince >= 1.5 & creditAmount >= 708 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & otherParties_none >= 
#>         0.5 ~ 0.00848550629, purpose_used.car >= 0.5 & duration >= 
#>         9.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         residenceSince >= 1.5 & creditAmount >= 708 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & otherParties_none >= 
#>         0.5 ~ -0.00520351762, (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & duration >= 9.5 & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & residenceSince >= 
#>         1.5 & creditAmount >= 708 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & otherParties_none >= 
#>         0.5 ~ 0.00886785053, otherPaymentPlans_none >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         duration >= 9.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         residenceSince >= 1.5 & creditAmount >= 708 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & otherParties_none >= 
#>         0.5 ~ 0.000465305173) + case_when(creditAmount >= 10918 ~ 
#>     0.00806977041, age >= 34.5 & (duration < 11.5 | is.na(duration)) & 
#>     (creditAmount < 10918 | is.na(creditAmount)) ~ -0.00924073067, 
#>     creditHistory_no.credits.all.paid >= 0.5 & duration >= 11.5 & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00631576963, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (age < 34.5 | is.na(age)) & (duration < 11.5 | is.na(duration)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00204151426, 
#>     creditHistory_existing.paid >= 0.5 & (age < 34.5 | is.na(age)) & 
#>         (duration < 11.5 | is.na(duration)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ -0.00431801798, (creditAmount < 
#>         4058.5 | is.na(creditAmount)) & job_high.qualif.self.emp.mgmt >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         duration >= 11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00714388955, creditAmount >= 4058.5 & job_high.qualif.self.emp.mgmt >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         duration >= 11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00234289467, creditAmount >= 3628 & purpose_new.car >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         duration >= 11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.0019048088, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (creditAmount < 3628 | is.na(creditAmount)) & purpose_new.car >= 
#>         0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         duration >= 11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00284049078, existingCredits >= 1.5 & (creditAmount < 
#>         3628 | is.na(creditAmount)) & purpose_new.car >= 0.5 & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         duration >= 11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00775611913, (creditAmount < 1110.5 | is.na(creditAmount)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (creditAmount < 2190.5 | is.na(creditAmount)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>         11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00463481667, creditAmount >= 1110.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (creditAmount < 
#>         2190.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>         11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00573034817, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (creditAmount < 
#>         2190.5 | is.na(creditAmount)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>         11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.000642174447, checkingStatus_X.0 >= 0.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (creditAmount < 2190.5 | is.na(creditAmount)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>         11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00451546442, (creditAmount < 4276.5 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditAmount >= 2190.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         duration >= 11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00322427833, creditAmount >= 4276.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & creditAmount >= 
#>         2190.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         duration >= 11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00362571352, (creditAmount < 3888.5 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & creditAmount >= 2190.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>         11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00767041091, creditAmount >= 3888.5 & checkingStatus_no.checking >= 
#>         0.5 & creditAmount >= 2190.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>         11.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.00284411502) + case_when((job_skilled < 0.5 | is.na(job_skilled)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 ~ -0.00939584803, 
#>     (duration < 16.5 | is.na(duration)) & purpose_furniture.equipment >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000954889401, duration >= 33 & job_skilled >= 0.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00264469837, employment_X.1 >= 0.5 & creditAmount >= 
#>         1953 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00946552865, (creditAmount < 3383.5 | is.na(creditAmount)) & 
#>         duration >= 16.5 & purpose_furniture.equipment >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00925302878, creditAmount >= 3383.5 & duration >= 16.5 & 
#>         purpose_furniture.equipment >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00127388618, (age < 28.5 | is.na(age)) & (duration < 
#>         33 | is.na(duration)) & job_skilled >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0090970993, (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & (creditAmount < 1178 | 
#>         is.na(creditAmount)) & (creditAmount < 1953 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00427240739, job_unskilled.resident >= 0.5 & (creditAmount < 
#>         1178 | is.na(creditAmount)) & (creditAmount < 1953 | 
#>         is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000827052398, (age < 30.5 | is.na(age)) & creditAmount >= 
#>         1178 & (creditAmount < 1953 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0116278064, (age < 35.5 | is.na(age)) & age >= 28.5 & 
#>         (duration < 33 | is.na(duration)) & job_skilled >= 0.5 & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.00670203427, age >= 35.5 & age >= 28.5 & (duration < 
#>         33 | is.na(duration)) & job_skilled >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00624778913, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 30.5 & creditAmount >= 1178 & (creditAmount < 
#>         1953 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00501680886, ownTelephone_yes >= 0.5 & age >= 30.5 & 
#>         creditAmount >= 1178 & (creditAmount < 1953 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00275471504, (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         duration >= 40.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         creditAmount >= 1953 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00170113356, employment_X4..X.7 >= 0.5 & duration >= 
#>         40.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         creditAmount >= 1953 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00428539934, (creditAmount < 3861 | is.na(creditAmount)) & 
#>         purpose_new.car >= 0.5 & (duration < 40.5 | is.na(duration)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & creditAmount >= 
#>         1953 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00207151519, creditAmount >= 3861 & purpose_new.car >= 
#>         0.5 & (duration < 40.5 | is.na(duration)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & creditAmount >= 1953 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00454528676, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (age < 34.5 | is.na(age)) & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & (duration < 40.5 | is.na(duration)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & creditAmount >= 
#>         1953 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0108796954, employment_X1..X.4 >= 0.5 & (age < 34.5 | 
#>         is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (duration < 40.5 | is.na(duration)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & creditAmount >= 1953 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0038033165, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         age >= 34.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (duration < 40.5 | is.na(duration)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & creditAmount >= 1953 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00303744269, savingsStatus_X.100 >= 0.5 & age >= 34.5 & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (duration < 
#>         40.5 | is.na(duration)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         creditAmount >= 1953 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00100331136) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00572950486, (housing_own < 0.5 | is.na(housing_own)) & 
#>     creditAmount >= 7493.5 & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.011336633, housing_own >= 
#>     0.5 & creditAmount >= 7493.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00169870316, duration >= 
#>     12.5 & (duration < 15.5 | is.na(duration)) & (creditAmount < 
#>     7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00802974403, duration >= 
#>     31.5 & employment_X1..X.4 >= 0.5 & duration >= 15.5 & (creditAmount < 
#>     7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00722714234, (duration < 
#>     9.5 | is.na(duration)) & employment_X.1 >= 0.5 & (duration < 
#>     12.5 | is.na(duration)) & (duration < 15.5 | is.na(duration)) & 
#>     (creditAmount < 7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0032020947, duration >= 
#>     9.5 & employment_X.1 >= 0.5 & (duration < 12.5 | is.na(duration)) & 
#>     (duration < 15.5 | is.na(duration)) & (creditAmount < 7493.5 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000609289447, (age < 30.5 | is.na(age)) & purpose_new.car >= 
#>     0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     duration >= 15.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00239728228, age >= 30.5 & purpose_new.car >= 0.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & (creditAmount < 
#>     7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00930328388, ownTelephone_yes >= 
#>     0.5 & (duration < 31.5 | is.na(duration)) & employment_X1..X.4 >= 
#>     0.5 & duration >= 15.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0025893983, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (age < 30.5 | is.na(age)) & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (duration < 12.5 | is.na(duration)) & (duration < 15.5 | 
#>     is.na(duration)) & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00366602745, job_skilled >= 0.5 & (age < 30.5 | is.na(age)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (duration < 
#>     12.5 | is.na(duration)) & (duration < 15.5 | is.na(duration)) & 
#>     (creditAmount < 7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00241031218, (creditAmount < 
#>     1140.5 | is.na(creditAmount)) & age >= 30.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (duration < 12.5 | is.na(duration)) & 
#>     (duration < 15.5 | is.na(duration)) & (creditAmount < 7493.5 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00272627664, creditAmount >= 1140.5 & age >= 30.5 & (employment_X.1 < 
#>     0.5 | is.na(employment_X.1)) & (duration < 12.5 | is.na(duration)) & 
#>     (duration < 15.5 | is.na(duration)) & (creditAmount < 7493.5 | 
#>     is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00989250839, (personalStatus_female.div.dep.mar < 0.5 | 
#>     is.na(personalStatus_female.div.dep.mar)) & (age < 25.5 | 
#>     is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     duration >= 15.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0042548636, personalStatus_female.div.dep.mar >= 0.5 & 
#>     (age < 25.5 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     duration >= 15.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00145669293, (creditAmount < 2611 | is.na(creditAmount)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (duration < 
#>     31.5 | is.na(duration)) & employment_X1..X.4 >= 0.5 & duration >= 
#>     15.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00411167275, creditAmount >= 
#>     2611 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     (duration < 31.5 | is.na(duration)) & employment_X1..X.4 >= 
#>     0.5 & duration >= 15.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000830384903, (creditAmount < 1809 | is.na(creditAmount)) & 
#>     (creditAmount < 2410.5 | is.na(creditAmount)) & age >= 25.5 & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & duration >= 15.5 & (creditAmount < 
#>     7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00158289215, creditAmount >= 
#>     1809 & (creditAmount < 2410.5 | is.na(creditAmount)) & age >= 
#>     25.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     duration >= 15.5 & (creditAmount < 7493.5 | is.na(creditAmount)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0083709918, (creditAmount < 5948.5 | is.na(creditAmount)) & 
#>     creditAmount >= 2410.5 & age >= 25.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & duration >= 15.5 & (creditAmount < 
#>     7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00404376816, creditAmount >= 
#>     5948.5 & creditAmount >= 2410.5 & age >= 25.5 & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & duration >= 15.5 & (creditAmount < 
#>     7493.5 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.0106372405) + case_when(creditAmount >= 
#>     10918 ~ 0.00705950474, personalStatus_male.div.sep >= 0.5 & 
#>     (creditAmount < 10918 | is.na(creditAmount)) ~ 0.0077839517, 
#>     creditHistory_no.credits.all.paid >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ 0.00622596731, otherPaymentPlans_stores >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00467720302, 
#>     age >= 28.5 & purpose_furniture.equipment >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ 0.00725214044, purpose_used.car >= 
#>         0.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ -0.00780356023, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (age < 28.5 | is.na(age)) & purpose_furniture.equipment >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00395809067, 
#>     installmentCommitment >= 2.5 & (age < 28.5 | is.na(age)) & 
#>         purpose_furniture.equipment >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ -0.00706329383, (age < 
#>         32.5 | is.na(age)) & (age < 39.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ -0.00358109106, age >= 
#>         32.5 & (age < 39.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ 0.00400850037, (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & age >= 39.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ -0.00674845837, checkingStatus_X.0 >= 
#>         0.5 & age >= 39.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ -0.0015407413) + 
#>     case_when(purpose_new.car >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) ~ 0.00909765717, (duration < 
#>         16.5 | is.na(duration)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>         employment_X.1 >= 0.5 ~ -0.00223116879, duration >= 16.5 & 
#>         (housing_own < 0.5 | is.na(housing_own)) & employment_X.1 >= 
#>         0.5 ~ 0.00322395773, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         housing_own >= 0.5 & employment_X.1 >= 0.5 ~ 0.00150369981, 
#>         age >= 39 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00335114123, (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             checkingStatus_no.checking >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00903351139, personalStatus_female.div.dep.mar >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00242147688, (age < 30.5 | is.na(age)) & savingsStatus_X.100 >= 
#>             0.5 & housing_own >= 0.5 & employment_X.1 >= 0.5 ~ 
#>             0.00395740056, age >= 30.5 & savingsStatus_X.100 >= 
#>             0.5 & housing_own >= 0.5 & employment_X.1 >= 0.5 ~ 
#>             0.0104833962, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (age < 39 | is.na(age)) & (purpose_new.car < 0.5 | 
#>             is.na(purpose_new.car)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00575872697, propertyMagnitude_car >= 
#>             0.5 & (age < 39 | is.na(age)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.001610548, (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (age < 30.5 | is.na(age)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00768496096, propertyMagnitude_life.insurance >= 
#>             0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>             (age < 30.5 | is.na(age)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00184593804, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>             existingCredits >= 1.5 & (age < 30.5 | is.na(age)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ -0.00290648965, residenceSince >= 
#>             3.5 & existingCredits >= 1.5 & (age < 30.5 | is.na(age)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             otherPaymentPlans_none >= 0.5 & (employment_X.1 < 
#>             0.5 | is.na(employment_X.1)) ~ 0.00304457149, (savingsStatus_X.100 < 
#>             0.5 | is.na(savingsStatus_X.100)) & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & age >= 30.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00073469046, savingsStatus_X.100 >= 0.5 & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & age >= 30.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00784647465, (duration < 16.5 | is.na(duration)) & 
#>             ownTelephone_none >= 0.5 & age >= 30.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             -0.00869537331, duration >= 16.5 & ownTelephone_none >= 
#>             0.5 & age >= 30.5 & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>             0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) ~ 
#>             0.00513748499) + case_when((creditAmount < 705 | 
#>     is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) ~ -0.00530350721, 
#>     age >= 48.5 & propertyMagnitude_life.insurance >= 0.5 ~ 0.0040822844, 
#>     (creditAmount < 1310 | is.na(creditAmount)) & (age < 48.5 | 
#>         is.na(age)) & propertyMagnitude_life.insurance >= 0.5 ~ 
#>         -0.000869709824, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         creditAmount >= 1310 & (age < 48.5 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>         0.5 ~ -0.00865617767, savingsStatus_no.known.savings >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & creditAmount >= 
#>         705 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         -0.00644078245, (age < 28.5 | is.na(age)) & checkingStatus_X.0 >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         creditAmount >= 705 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) ~ -0.00205659564, 
#>     purpose_radio.tv >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         existingCredits >= 1.5 & creditAmount >= 705 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) ~ 0.0112526389, 
#>     propertyMagnitude_real.estate >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & existingCredits >= 1.5 & creditAmount >= 705 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         -0.0049477797, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         job_skilled >= 0.5 & creditAmount >= 1310 & (age < 48.5 | 
#>         is.na(age)) & propertyMagnitude_life.insurance >= 0.5 ~ 
#>         -0.00753706135, ownTelephone_yes >= 0.5 & job_skilled >= 
#>         0.5 & creditAmount >= 1310 & (age < 48.5 | is.na(age)) & 
#>         propertyMagnitude_life.insurance >= 0.5 ~ 0.000886979396, 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         age >= 28.5 & checkingStatus_X.0 >= 0.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 705 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         0.00847383495, propertyMagnitude_no.known.property >= 
#>         0.5 & age >= 28.5 & checkingStatus_X.0 >= 0.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 705 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         0.000486673467, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         existingCredits >= 1.5 & creditAmount >= 705 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) ~ -0.00205338979, 
#>     residenceSince >= 3.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         existingCredits >= 1.5 & creditAmount >= 705 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) ~ 0.00764595205, 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & existingCredits >= 1.5 & creditAmount >= 705 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         0.00565416692, employment_X..7 >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & existingCredits >= 1.5 & creditAmount >= 705 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         -0.000752676162, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & creditAmount >= 
#>         705 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         -0.00321063423, installmentCommitment >= 3.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 705 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         0.00599602936, (creditAmount < 3346 | is.na(creditAmount)) & 
#>         ownTelephone_yes >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 705 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         -0.00707260519, creditAmount >= 3346 & ownTelephone_yes >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & creditAmount >= 
#>         705 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) ~ 
#>         -0.000453144166) + case_when(creditHistory_all.paid >= 
#>     0.5 ~ 0.00733248563, (age < 40.5 | is.na(age)) & propertyMagnitude_real.estate >= 
#>     0.5 & age >= 32.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00499248691, age >= 40.5 & propertyMagnitude_real.estate >= 
#>     0.5 & age >= 32.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000215037464, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (duration < 25.5 | is.na(duration)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (age < 32.5 | 
#>     is.na(age)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0094706323, (creditAmount < 4633 | is.na(creditAmount)) & 
#>     duration >= 25.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (age < 32.5 | is.na(age)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.00970671047, creditAmount >= 
#>     4633 & duration >= 25.5 & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & (age < 32.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.000744098914, (creditAmount < 4590.5 | is.na(creditAmount)) & 
#>     (age < 27.5 | is.na(age)) & personalStatus_male.single >= 
#>     0.5 & (age < 32.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00313005853, creditAmount >= 
#>     4590.5 & (age < 27.5 | is.na(age)) & personalStatus_male.single >= 
#>     0.5 & (age < 32.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00274916296, (job_skilled < 
#>     0.5 | is.na(job_skilled)) & age >= 27.5 & personalStatus_male.single >= 
#>     0.5 & (age < 32.5 | is.na(age)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00210379623, job_skilled >= 
#>     0.5 & age >= 27.5 & personalStatus_male.single >= 0.5 & (age < 
#>     32.5 | is.na(age)) & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00862779748, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & (duration < 
#>     21.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & age >= 32.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00438312301, job_skilled >= 0.5 & (ownTelephone_yes < 0.5 | 
#>     is.na(ownTelephone_yes)) & (duration < 21.5 | is.na(duration)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     age >= 32.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.0105699431, (age < 43.5 | is.na(age)) & ownTelephone_yes >= 
#>     0.5 & (duration < 21.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & age >= 32.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00561201805, age >= 43.5 & ownTelephone_yes >= 0.5 & (duration < 
#>     21.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & age >= 32.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00334887439, (age < 39.5 | is.na(age)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & duration >= 
#>     21.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     age >= 32.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00335009955, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     propertyMagnitude_no.known.property >= 0.5 & duration >= 
#>     21.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     age >= 32.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00104916701, installmentCommitment >= 3.5 & propertyMagnitude_no.known.property >= 
#>     0.5 & duration >= 21.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & age >= 32.5 & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00500810193, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (age < 24.5 | is.na(age)) & job_skilled >= 0.5 & (duration < 
#>     25.5 | is.na(duration)) & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & (age < 32.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00674171094, employment_X.1 >= 0.5 & (age < 24.5 | is.na(age)) & 
#>     job_skilled >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (age < 32.5 | is.na(age)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.000934858515, (age < 26.5 | 
#>     is.na(age)) & age >= 24.5 & job_skilled >= 0.5 & (duration < 
#>     25.5 | is.na(duration)) & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & (age < 32.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00327985198, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     age >= 39.5 & (propertyMagnitude_no.known.property < 0.5 | 
#>     is.na(propertyMagnitude_no.known.property)) & duration >= 
#>     21.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     age >= 32.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.0018146137, residenceSince >= 3.5 & age >= 39.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & duration >= 
#>     21.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     age >= 32.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00842297543, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     age >= 26.5 & age >= 24.5 & job_skilled >= 0.5 & (duration < 
#>     25.5 | is.na(duration)) & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & (age < 32.5 | is.na(age)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00461183442, installmentCommitment >= 3.5 & age >= 26.5 & 
#>     age >= 24.5 & job_skilled >= 0.5 & (duration < 25.5 | is.na(duration)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (age < 32.5 | is.na(age)) & (creditHistory_all.paid < 0.5 | 
#>     is.na(creditHistory_all.paid)) ~ 0.00211216183) + case_when(residenceSince >= 
#>     3.5 & (installmentCommitment < 1.5 | is.na(installmentCommitment)) ~ 
#>     0.00843595061, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) ~ 0.00545644201, residenceSince >= 
#>     1.5 & (residenceSince < 3.5 | is.na(residenceSince)) & (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) ~ -0.00283976668, (age < 
#>     26.5 | is.na(age)) & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>     installmentCommitment >= 1.5 ~ -0.00183015445, age >= 26.5 & 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>     1.5 ~ -0.00914841704, (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & duration >= 37.5 & 
#>     residenceSince >= 1.5 & installmentCommitment >= 1.5 ~ -0.00267896894, 
#>     creditHistory_existing.paid >= 0.5 & duration >= 37.5 & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ 0.00948365312, creditHistory_existing.paid >= 
#>         0.5 & otherPaymentPlans_bank >= 0.5 & (duration < 37.5 | 
#>         is.na(duration)) & residenceSince >= 1.5 & installmentCommitment >= 
#>         1.5 ~ -0.000564073969, checkingStatus_X0..X.200 >= 0.5 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ -0.000653193856, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         otherPaymentPlans_bank >= 0.5 & (duration < 37.5 | is.na(duration)) & 
#>         residenceSince >= 1.5 & installmentCommitment >= 1.5 ~ 
#>         0.00215667184, installmentCommitment >= 3.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & otherPaymentPlans_bank >= 
#>         0.5 & (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ 0.00713842688, (creditAmount < 
#>         2897.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 37.5 | 
#>         is.na(duration)) & residenceSince >= 1.5 & installmentCommitment >= 
#>         1.5 ~ -0.00894997921, creditAmount >= 2897.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 37.5 | 
#>         is.na(duration)) & residenceSince >= 1.5 & installmentCommitment >= 
#>         1.5 ~ -0.00226592412, creditAmount >= 2992 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ 0.00671835756, (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditAmount < 2992 | 
#>         is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ -0.00819338299, 
#>     employment_X.1 >= 0.5 & (creditAmount < 2992 | is.na(creditAmount)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         installmentCommitment >= 2.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (duration < 37.5 | 
#>         is.na(duration)) & residenceSince >= 1.5 & installmentCommitment >= 
#>         1.5 ~ -0.000767671736, (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ 0.0077728997, propertyMagnitude_real.estate >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         personalStatus_male.single >= 0.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ -0.001280781, (age < 
#>         35.5 | is.na(age)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & personalStatus_male.single >= 0.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ -0.00555038312, 
#>     age >= 35.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & personalStatus_male.single >= 0.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (duration < 37.5 | is.na(duration)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 1.5 ~ 0.000530011544) + 
#>     case_when(checkingStatus_X.0 >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00405133842, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         0.000524760573, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         propertyMagnitude_car >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00257657631, residenceSince >= 3.5 & propertyMagnitude_car >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00293588033, (creditAmount < 1310 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00172809698, creditAmount >= 4779.5 & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.000904109853, (creditAmount < 2761 | is.na(creditAmount)) & 
#>         creditAmount >= 1310 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0084255375, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00520657701, propertyMagnitude_life.insurance >= 0.5 & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000327364658, (age < 27.5 | is.na(age)) & propertyMagnitude_car >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000109296307, age >= 27.5 & propertyMagnitude_car >= 
#>         0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00549015636, (creditAmount < 1851.5 | is.na(creditAmount)) & 
#>         (residenceSince < 1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>         2.5 & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00235065399, creditAmount >= 1851.5 & (residenceSince < 
#>         1.5 | is.na(residenceSince)) & installmentCommitment >= 
#>         2.5 & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00441592978, creditAmount >= 1900.5 & residenceSince >= 
#>         1.5 & installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.009758587, (creditAmount < 1287.5 | is.na(creditAmount)) & 
#>         (creditAmount < 4779.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00186175189, creditAmount >= 1287.5 & (creditAmount < 
#>         4779.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>         0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.00928024296, creditAmount >= 6953.5 & creditAmount >= 
#>         2761 & creditAmount >= 1310 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00812005065, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (creditAmount < 1900.5 | is.na(creditAmount)) & residenceSince >= 
#>         1.5 & installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00504128262, residenceSince >= 3.5 & (creditAmount < 
#>         1900.5 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         installmentCommitment >= 2.5 & savingsStatus_X.100 >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00098882895, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 6953.5 | is.na(creditAmount)) & creditAmount >= 
#>         2761 & creditAmount >= 1310 & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00577088166, installmentCommitment >= 2.5 & (creditAmount < 
#>         6953.5 | is.na(creditAmount)) & creditAmount >= 2761 & 
#>         creditAmount >= 1310 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00256900745) + case_when(checkingStatus_X..200 >= 
#>     0.5 ~ -0.00475297542, personalStatus_male.div.sep >= 0.5 & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00813437998, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & purpose_used.car >= 
#>     0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00863516703, creditHistory_existing.paid >= 0.5 & purpose_used.car >= 
#>     0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>     -0.00364740542, otherPaymentPlans_stores >= 0.5 & age >= 
#>     25.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00582927465, (creditAmount < 
#>     1461 | is.na(creditAmount)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) & (age < 25.5 | is.na(age)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00114132813, creditAmount >= 
#>     1461 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (age < 25.5 | is.na(age)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.0103906365, (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & checkingStatus_X.0 >= 
#>     0.5 & (age < 25.5 | is.na(age)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00292837108, propertyMagnitude_life.insurance >= 
#>     0.5 & checkingStatus_X.0 >= 0.5 & (age < 25.5 | is.na(age)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00481320266, (age < 
#>     38.5 | is.na(age)) & numDependents >= 1.5 & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & age >= 25.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00170422462, age >= 
#>     38.5 & numDependents >= 1.5 & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & age >= 25.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00690302346, (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     (numDependents < 1.5 | is.na(numDependents)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & age >= 25.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00384312123, purpose_education >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (numDependents < 
#>     1.5 | is.na(numDependents)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & age >= 25.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00635266537, (creditAmount < 
#>     3111.5 | is.na(creditAmount)) & housing_rent >= 0.5 & (numDependents < 
#>     1.5 | is.na(numDependents)) & (otherPaymentPlans_stores < 
#>     0.5 | is.na(otherPaymentPlans_stores)) & age >= 25.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ -0.00204860326, creditAmount >= 
#>     3111.5 & housing_rent >= 0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>     (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>     age >= 25.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) ~ 0.00985550601) + case_when(purpose_radio.tv >= 
#>     0.5 & installmentCommitment >= 3.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) ~ -0.00899115205, 
#>     (creditAmount < 6108 | is.na(creditAmount)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>         0.5 ~ -0.0104194935, creditAmount >= 6108 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>         0.5 ~ 0.00299129589, purpose_used.car >= 0.5 & savingsStatus_X.100 >= 
#>         0.5 & personalStatus_male.single >= 0.5 ~ -0.00801387336, 
#>     employment_X..7 >= 0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         0.000199734597, checkingStatus_X0..X.200 >= 0.5 & propertyMagnitude_car >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         0.00682450086, (duration < 16.5 | is.na(duration)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         installmentCommitment >= 3.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.00512813358, 
#>     age >= 45.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ 0.00569600333, ownTelephone_yes >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ 0.0112757431, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         propertyMagnitude_car >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ -0.00640638638, 
#>     checkingStatus_X.0 >= 0.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & propertyMagnitude_car >= 
#>         0.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         -0.000956628297, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         duration >= 16.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         installmentCommitment >= 3.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ 0.00897625461, 
#>     existingCredits >= 1.5 & duration >= 16.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & installmentCommitment >= 
#>         3.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) ~ 
#>         0.00109626621, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>         (age < 45.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & savingsStatus_X.100 >= 0.5 & 
#>         personalStatus_male.single >= 0.5 ~ 0.00341565046, (age < 
#>         28.5 | is.na(age)) & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ 0.00708214939, 
#>     age >= 28.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) ~ 0.00192554831, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (age < 
#>         45.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ -0.00271416269, installmentCommitment >= 3.5 & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (age < 
#>         45.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ 0.00390053238, (duration < 16.5 | is.na(duration)) & 
#>         existingCredits >= 1.5 & (job_high.qualif.self.emp.mgmt < 
#>         0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (age < 
#>         45.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>         0.5 ~ -0.00526095694, duration >= 16.5 & existingCredits >= 
#>         1.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>         (age < 45.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & savingsStatus_X.100 >= 0.5 & 
#>         personalStatus_male.single >= 0.5 ~ -0.00123151112) + 
#>     case_when(creditHistory_no.credits.all.paid >= 0.5 ~ 0.0091285063, 
#>         purpose_education >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00377473701, (creditAmount < 1448.5 | is.na(creditAmount)) & 
#>             personalStatus_male.mar.wid >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00282628462, creditAmount >= 1448.5 & personalStatus_male.mar.wid >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00736125652, (age < 34.5 | is.na(age)) & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & purpose_new.car >= 
#>             0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00351994298, age >= 34.5 & (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & purpose_new.car >= 
#>             0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00699078245, duration >= 22.5 & ownTelephone_none >= 
#>             0.5 & purpose_new.car >= 0.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.0098361643, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (creditAmount < 1806 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00205351133, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             (duration < 22.5 | is.na(duration)) & ownTelephone_none >= 
#>             0.5 & purpose_new.car >= 0.5 & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00176170527, residenceSince >= 2.5 & (duration < 
#>             22.5 | is.na(duration)) & ownTelephone_none >= 0.5 & 
#>             purpose_new.car >= 0.5 & (purpose_education < 0.5 | 
#>             is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00419724546, (creditAmount < 843.5 | is.na(creditAmount)) & 
#>             otherPaymentPlans_none >= 0.5 & (creditAmount < 1806 | 
#>             is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00215712469, creditAmount >= 843.5 & otherPaymentPlans_none >= 
#>             0.5 & (creditAmount < 1806 | is.na(creditAmount)) & 
#>             (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00910422765, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>             personalStatus_male.single >= 0.5 & creditAmount >= 
#>             1806 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.008291509, (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>             (creditAmount < 3992.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>             1806 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.000705022423, employment_X.1 >= 0.5 & (creditAmount < 
#>             3992.5 | is.na(creditAmount)) & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>             1806 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.0102564655, (creditAmount < 7557 | is.na(creditAmount)) & 
#>             creditAmount >= 3992.5 & (personalStatus_male.single < 
#>             0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>             1806 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00749841006, creditAmount >= 7557 & creditAmount >= 
#>             3992.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>             creditAmount >= 1806 & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.00149596937, (creditAmount < 3390 | is.na(creditAmount)) & 
#>             savingsStatus_X.100 >= 0.5 & personalStatus_male.single >= 
#>             0.5 & creditAmount >= 1806 & (personalStatus_male.mar.wid < 
#>             0.5 | is.na(personalStatus_male.mar.wid)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (purpose_education < 
#>             0.5 | is.na(purpose_education)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             0.00422256393, creditAmount >= 3390 & savingsStatus_X.100 >= 
#>             0.5 & personalStatus_male.single >= 0.5 & creditAmount >= 
#>             1806 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (purpose_education < 0.5 | is.na(purpose_education)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) ~ 
#>             -0.0039413725) + case_when(propertyMagnitude_life.insurance >= 
#>     0.5 & savingsStatus_no.known.savings >= 0.5 ~ 0.00138475653, 
#>     employment_X1..X.4 >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00202353764, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         savingsStatus_no.known.savings >= 0.5 ~ -0.00891666953, 
#>     existingCredits >= 1.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_no.known.savings >= 
#>         0.5 ~ -0.00202436419, (age < 34.5 | is.na(age)) & propertyMagnitude_no.known.property >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00319204316, age >= 34.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00856500771, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00170147105, personalStatus_male.single >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00913345348, creditHistory_no.credits.all.paid >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00523376884, purpose_furniture.equipment >= 0.5 & employment_X.1 >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00306595024, (creditAmount < 2045 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         employment_X.1 >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.0124335242, creditAmount >= 2045 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & employment_X.1 >= 
#>         0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.000878477178, (duration < 13 | is.na(duration)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00589786284, duration >= 43.5 & job_skilled >= 0.5 & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00261313817, (duration < 22.5 | is.na(duration)) & 
#>         duration >= 13 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00350676849, duration >= 22.5 & duration >= 13 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00472084666, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (duration < 43.5 | is.na(duration)) & job_skilled >= 
#>         0.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00200800807, employment_X1..X.4 >= 0.5 & (duration < 
#>         43.5 | is.na(duration)) & job_skilled >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00836286694) + case_when(creditAmount >= 7681.5 & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 0.00863761362, 
#>     (duration < 19 | is.na(duration)) & savingsStatus_no.known.savings >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00300616864, duration >= 19 & savingsStatus_no.known.savings >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00608025165, creditAmount >= 3766.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & purpose_radio.tv >= 
#>         0.5 ~ 0.00038442036, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         checkingStatus_X0..X.200 >= 0.5 & purpose_radio.tv >= 
#>         0.5 ~ 0.0036468124, residenceSince >= 2.5 & checkingStatus_X0..X.200 >= 
#>         0.5 & purpose_radio.tv >= 0.5 ~ -0.0040389467, (creditAmount < 
#>         1353 | is.na(creditAmount)) & (creditAmount < 3766.5 | 
#>         is.na(creditAmount)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & purpose_radio.tv >= 
#>         0.5 ~ -0.00213866984, creditAmount >= 1353 & (creditAmount < 
#>         3766.5 | is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & purpose_radio.tv >= 
#>         0.5 ~ -0.00844669342, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         creditAmount >= 5297.5 & (creditAmount < 7681.5 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00724296831, residenceSince >= 2.5 & creditAmount >= 
#>         5297.5 & (creditAmount < 7681.5 | is.na(creditAmount)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.000111462105, creditAmount >= 3989.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>         5297.5 | is.na(creditAmount)) & (creditAmount < 7681.5 | 
#>         is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00796326157, (creditAmount < 
#>         1788 | is.na(creditAmount)) & purpose_furniture.equipment >= 
#>         0.5 & (creditAmount < 5297.5 | is.na(creditAmount)) & 
#>         (creditAmount < 7681.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00016328023, employment_X.1 >= 
#>         0.5 & (creditAmount < 3989.5 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditAmount < 5297.5 | is.na(creditAmount)) & (creditAmount < 
#>         7681.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00723664695, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & creditAmount >= 1788 & 
#>         purpose_furniture.equipment >= 0.5 & (creditAmount < 
#>         5297.5 | is.na(creditAmount)) & (creditAmount < 7681.5 | 
#>         is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.0129145011, residenceSince >= 
#>         3.5 & creditAmount >= 1788 & purpose_furniture.equipment >= 
#>         0.5 & (creditAmount < 5297.5 | is.na(creditAmount)) & 
#>         (creditAmount < 7681.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00336564053, (creditAmount < 
#>         1275.5 | is.na(creditAmount)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditAmount < 3989.5 | is.na(creditAmount)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditAmount < 5297.5 | is.na(creditAmount)) & (creditAmount < 
#>         7681.5 | is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ 0.00177817163, creditAmount >= 
#>         1275.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditAmount < 3989.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>         5297.5 | is.na(creditAmount)) & (creditAmount < 7681.5 | 
#>         is.na(creditAmount)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00352105754) + case_when(age >= 
#>     49.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.00572766876, (age < 39 | is.na(age)) & purpose_used.car >= 
#>     0.5 ~ -0.00950023346, age >= 39 & purpose_used.car >= 0.5 ~ 
#>     -0.00184064149, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     purpose_business >= 0.5 & (age < 49.5 | is.na(age)) & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.0084150089, propertyMagnitude_car >= 
#>     0.5 & purpose_business >= 0.5 & (age < 49.5 | is.na(age)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.00229302817, 
#>     employment_X.1 >= 0.5 & propertyMagnitude_car >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0036998787, (housing_own < 0.5 | is.na(housing_own)) & 
#>         (age < 28.5 | is.na(age)) & checkingStatus_X.0 >= 0.5 & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 49.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00314658601, housing_own >= 
#>         0.5 & (age < 28.5 | is.na(age)) & checkingStatus_X.0 >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 49.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00431388384, numDependents >= 
#>         1.5 & age >= 28.5 & checkingStatus_X.0 >= 0.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00122025528, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1523 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000858230283, propertyMagnitude_real.estate >= 0.5 & 
#>         (creditAmount < 1523 | is.na(creditAmount)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00713279331, (creditAmount < 2080 | is.na(creditAmount)) & 
#>         creditAmount >= 1523 & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0103640007, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & propertyMagnitude_car >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 49.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00973236002, checkingStatus_X0..X.200 >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         propertyMagnitude_car >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00241392665, (creditAmount < 1924.5 | is.na(creditAmount)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & age >= 
#>         28.5 & checkingStatus_X.0 >= 0.5 & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00437495438, creditAmount >= 1924.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & age >= 28.5 & checkingStatus_X.0 >= 
#>         0.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>         (age < 49.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.0118002566, (creditAmount < 
#>         4169.5 | is.na(creditAmount)) & creditAmount >= 2080 & 
#>         creditAmount >= 1523 & (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00415796135, creditAmount >= 4169.5 & creditAmount >= 
#>         2080 & creditAmount >= 1523 & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (purpose_business < 
#>         0.5 | is.na(purpose_business)) & (age < 49.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00532798283) + case_when((duration < 8 | is.na(duration)) ~ 
#>     -0.00809979439, creditHistory_no.credits.all.paid >= 0.5 & 
#>     duration >= 8 ~ 0.0098700989, (creditAmount < 710 | is.na(creditAmount)) & 
#>     (creditAmount < 979.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>     8 ~ -0.00445389189, creditAmount >= 710 & (creditAmount < 
#>     979.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>     8 ~ 0.010928018, personalStatus_male.div.sep >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & creditAmount >= 979.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     duration >= 8 ~ 0.00876960997, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     employment_X4..X.7 >= 0.5 & creditAmount >= 979.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>     8 ~ -0.0066465768, savingsStatus_X500..X.1000 >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & creditAmount >= 979.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     duration >= 8 ~ 0.00584562402, (propertyMagnitude_car < 0.5 | 
#>     is.na(propertyMagnitude_car)) & job_skilled >= 0.5 & employment_X4..X.7 >= 
#>     0.5 & creditAmount >= 979.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>     8 ~ 0.000641327177, propertyMagnitude_car >= 0.5 & job_skilled >= 
#>     0.5 & employment_X4..X.7 >= 0.5 & creditAmount >= 979.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     duration >= 8 ~ -0.00583642581, savingsStatus_X100..X.500 >= 
#>     0.5 & (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     creditAmount >= 979.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>     8 ~ 0.00481640222, (propertyMagnitude_real.estate < 0.5 | 
#>     is.na(propertyMagnitude_real.estate)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X500..X.1000 < 
#>     0.5 | is.na(savingsStatus_X500..X.1000)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & creditAmount >= 979.5 & 
#>     (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>     duration >= 8 ~ -0.000380329846, propertyMagnitude_real.estate >= 
#>     0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X500..X.1000 < 0.5 | is.na(savingsStatus_X500..X.1000)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     creditAmount >= 979.5 & (creditHistory_no.credits.all.paid < 
#>     0.5 | is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>     8 ~ -0.00509439642) + case_when(employment_unemployed >= 
#>     0.5 ~ 0.00505158724, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     job_unskilled.resident >= 0.5 & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00677844277, creditHistory_critical.other.existing.credit >= 
#>     0.5 & propertyMagnitude_no.known.property >= 0.5 & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00183982472, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & installmentCommitment >= 
#>     3.5 & job_unskilled.resident >= 0.5 & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00246803975, propertyMagnitude_car >= 
#>     0.5 & installmentCommitment >= 3.5 & job_unskilled.resident >= 
#>     0.5 & (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     0.00337819383, (age < 24.5 | is.na(age)) & (creditAmount < 
#>     1463.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00963645801, (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     propertyMagnitude_no.known.property >= 0.5 & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00810556207, otherPaymentPlans_none >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & propertyMagnitude_no.known.property >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     0.00222690077, (creditAmount < 1067 | is.na(creditAmount)) & 
#>     age >= 24.5 & (creditAmount < 1463.5 | is.na(creditAmount)) & 
#>     (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     0.00369279413, creditAmount >= 1067 & age >= 24.5 & (creditAmount < 
#>     1463.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00711335568, employment_X.1 >= 
#>     0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     creditAmount >= 1463.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00657454133, (creditAmount < 
#>     2128 | is.na(creditAmount)) & propertyMagnitude_real.estate >= 
#>     0.5 & creditAmount >= 1463.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00833745953, (age < 
#>     29 | is.na(age)) & creditAmount >= 2128 & propertyMagnitude_real.estate >= 
#>     0.5 & creditAmount >= 1463.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.000619935687, age >= 
#>     29 & creditAmount >= 2128 & propertyMagnitude_real.estate >= 
#>     0.5 & creditAmount >= 1463.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00292100338, (creditAmount < 
#>     3464.5 | is.na(creditAmount)) & (age < 26.5 | is.na(age)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditAmount >= 
#>     1463.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     0.00669911411, creditAmount >= 3464.5 & (age < 26.5 | is.na(age)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & creditAmount >= 
#>     1463.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (employment_unemployed < 0.5 | is.na(employment_unemployed)) ~ 
#>     -0.00253057992, (creditAmount < 4548 | is.na(creditAmount)) & 
#>     age >= 26.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     creditAmount >= 1463.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ -0.00771694537, creditAmount >= 
#>     4548 & age >= 26.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     creditAmount >= 1463.5 & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (employment_unemployed < 
#>     0.5 | is.na(employment_unemployed)) ~ 0.00120921945) + case_when(duration >= 
#>     47.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>     0.00660019089, propertyMagnitude_life.insurance >= 0.5 & 
#>     savingsStatus_no.known.savings >= 0.5 ~ 0.000240466979, otherParties_guarantor >= 
#>     0.5 & (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00927589089, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_no.known.savings >= 
#>         0.5 ~ -0.0030700271, residenceSince >= 3.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_no.known.savings >= 
#>         0.5 ~ -0.00910592079, savingsStatus_X..1000 >= 0.5 & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00475140521, 
#>     creditHistory_no.credits.all.paid >= 0.5 & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (duration < 47.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00783473905, 
#>     duration >= 19.5 & employment_X.1 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (duration < 47.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00725392671, 
#>     (creditAmount < 3446.5 | is.na(creditAmount)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (duration < 47.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.000211104765, 
#>     creditAmount >= 3446.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (employment_X.1 < 0.5 | 
#>         is.na(employment_X.1)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (duration < 47.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00497256778, 
#>     (creditAmount < 1514 | is.na(creditAmount)) & otherPaymentPlans_bank >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (savingsStatus_X..1000 < 0.5 | is.na(savingsStatus_X..1000)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         (duration < 47.5 | is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00292687444, 
#>     creditAmount >= 1514 & otherPaymentPlans_bank >= 0.5 & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (duration < 47.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00569021888, 
#>     (creditAmount < 1480 | is.na(creditAmount)) & (duration < 
#>         19.5 | is.na(duration)) & employment_X.1 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (duration < 47.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00358809414, 
#>     creditAmount >= 1480 & (duration < 19.5 | is.na(duration)) & 
#>         employment_X.1 >= 0.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (savingsStatus_X..1000 < 
#>         0.5 | is.na(savingsStatus_X..1000)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & (duration < 47.5 | 
#>         is.na(duration)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00587339886) + 
#>     case_when((checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         creditHistory_delayed.previously >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00690441672, checkingStatus_no.checking >= 0.5 & creditHistory_delayed.previously >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00084341428, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.000121454497, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         purpose_new.car >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00393891055, checkingStatus_X.0 >= 0.5 & purpose_new.car >= 
#>         0.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 0.00100067002, (duration < 25.5 | is.na(duration)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0100795813, duration >= 25.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00201047095, creditAmount >= 8783 & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00698052347, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         otherPaymentPlans_none >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00157726253, personalStatus_male.single >= 0.5 & 
#>         otherPaymentPlans_none >= 0.5 & (purpose_new.car < 0.5 | 
#>         is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.00782439299, age >= 44 & (creditAmount < 8783 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0066154236, personalStatus_male.single >= 0.5 & propertyMagnitude_car >= 
#>         0.5 & (age < 44 | is.na(age)) & (creditAmount < 8783 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0055695856, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (age < 44 | is.na(age)) & (creditAmount < 8783 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00243746839, installmentCommitment >= 3.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (age < 44 | is.na(age)) & 
#>         (creditAmount < 8783 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00480539119, (age < 26.5 | is.na(age)) & ownTelephone_none >= 
#>         0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (age < 44 | is.na(age)) & (creditAmount < 8783 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000875343278, age >= 26.5 & ownTelephone_none >= 0.5 & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (age < 44 | is.na(age)) & (creditAmount < 8783 | is.na(creditAmount)) & 
#>         creditHistory_existing.paid >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00907953456, (age < 27.5 | is.na(age)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & propertyMagnitude_car >= 
#>         0.5 & (age < 44 | is.na(age)) & (creditAmount < 8783 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00319432374, age >= 27.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & propertyMagnitude_car >= 
#>         0.5 & (age < 44 | is.na(age)) & (creditAmount < 8783 | 
#>         is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00702521717) + case_when(employment_X..7 >= 0.5 & duration >= 
#>     25.5 ~ -0.001653641, creditHistory_delayed.previously >= 
#>     0.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     (duration < 25.5 | is.na(duration)) ~ -0.00514344033, (duration < 
#>     14.5 | is.na(duration)) & personalStatus_male.mar.wid >= 
#>     0.5 & (duration < 25.5 | is.na(duration)) ~ -0.0092137102, 
#>     duration >= 14.5 & personalStatus_male.mar.wid >= 0.5 & (duration < 
#>         25.5 | is.na(duration)) ~ -0.00195098855, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 25.5 ~ -9.12877804e-05, 
#>     propertyMagnitude_car >= 0.5 & (installmentCommitment < 2.5 | 
#>         is.na(installmentCommitment)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & duration >= 25.5 ~ -0.00647097034, 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         installmentCommitment >= 2.5 & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & duration >= 25.5 ~ 0.0104752099, 
#>     checkingStatus_X.0 >= 0.5 & installmentCommitment >= 2.5 & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & duration >= 
#>         25.5 ~ 0.00109733269, installmentCommitment >= 3.5 & 
#>         (duration < 16.5 | is.na(duration)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (duration < 
#>         25.5 | is.na(duration)) ~ -0.00453623431, (residenceSince < 
#>         2.5 | is.na(residenceSince)) & duration >= 16.5 & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (duration < 
#>         25.5 | is.na(duration)) ~ -0.00794976018, age >= 23.5 & 
#>         (age < 26.5 | is.na(age)) & ownTelephone_none >= 0.5 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ -0.00609616749, 
#>     purpose_radio.tv >= 0.5 & age >= 26.5 & ownTelephone_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ -0.00142978528, 
#>     (creditAmount < 2345.5 | is.na(creditAmount)) & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (duration < 16.5 | 
#>         is.na(duration)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ -0.0026277469, 
#>     creditAmount >= 2345.5 & (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 16.5 | is.na(duration)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (duration < 
#>         25.5 | is.na(duration)) ~ 0.0116954874, (creditAmount < 
#>         3385.5 | is.na(creditAmount)) & residenceSince >= 2.5 & 
#>         duration >= 16.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ 0.00180229498, 
#>     creditAmount >= 3385.5 & residenceSince >= 2.5 & duration >= 
#>         16.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ -0.00449976372, 
#>     (creditAmount < 1320.5 | is.na(creditAmount)) & (age < 23.5 | 
#>         is.na(age)) & (age < 26.5 | is.na(age)) & ownTelephone_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ 0.000523080467, 
#>     creditAmount >= 1320.5 & (age < 23.5 | is.na(age)) & (age < 
#>         26.5 | is.na(age)) & ownTelephone_none >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (duration < 
#>         25.5 | is.na(duration)) ~ 0.00579708396, (creditAmount < 
#>         1352.5 | is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & age >= 26.5 & ownTelephone_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ 0.00956839137, 
#>     (duration < 16.5 | is.na(duration)) & creditAmount >= 1352.5 & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         age >= 26.5 & ownTelephone_none >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (duration < 
#>         25.5 | is.na(duration)) ~ -0.00324814487, duration >= 
#>         16.5 & creditAmount >= 1352.5 & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & age >= 26.5 & ownTelephone_none >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>         (duration < 25.5 | is.na(duration)) ~ 0.00477151573) + 
#>     case_when(checkingStatus_X..200 >= 0.5 ~ -0.0081825275, (creditAmount < 
#>         1210 | is.na(creditAmount)) & purpose_new.car >= 0.5 & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>         -0.00210777437, creditAmount >= 5255 & checkingStatus_X0..X.200 >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>         -0.0049078227, (age < 29.5 | is.na(age)) & creditAmount >= 
#>         1210 & purpose_new.car >= 0.5 & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) ~ 0.0105396891, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & propertyMagnitude_car >= 
#>         0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) ~ 0.00677754544, 
#>         checkingStatus_X0..X.200 >= 0.5 & age >= 29.5 & creditAmount >= 
#>             1210 & purpose_new.car >= 0.5 & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) ~ -0.00129904388, 
#>         age >= 32.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             0.00387686957, (creditAmount < 1749.5 | is.na(creditAmount)) & 
#>             creditHistory_existing.paid >= 0.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) ~ -0.0107052075, 
#>         (creditAmount < 1909 | is.na(creditAmount)) & ownTelephone_none >= 
#>             0.5 & propertyMagnitude_car >= 0.5 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) ~ 0.00379461679, 
#>         creditAmount >= 1909 & ownTelephone_none >= 0.5 & propertyMagnitude_car >= 
#>             0.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             -0.00465382077, (creditAmount < 1932.5 | is.na(creditAmount)) & 
#>             (duration < 19.5 | is.na(duration)) & (creditAmount < 
#>             5255 | is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             0.00516729662, creditAmount >= 1932.5 & (duration < 
#>             19.5 | is.na(duration)) & (creditAmount < 5255 | 
#>             is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             -0.00413613766, (age < 29.5 | is.na(age)) & duration >= 
#>             19.5 & (creditAmount < 5255 | is.na(creditAmount)) & 
#>             checkingStatus_X0..X.200 >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) ~ 0.00374675752, 
#>         age >= 29.5 & duration >= 19.5 & (creditAmount < 5255 | 
#>             is.na(creditAmount)) & checkingStatus_X0..X.200 >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             0.00946958922, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             age >= 29.5 & creditAmount >= 1210 & purpose_new.car >= 
#>             0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             0.0029235098, checkingStatus_X.0 >= 0.5 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & age >= 29.5 & 
#>             creditAmount >= 1210 & purpose_new.car >= 0.5 & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) ~ 0.00895148516, 
#>         (creditAmount < 3053.5 | is.na(creditAmount)) & (age < 
#>             32.5 | is.na(age)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) ~ -0.00666508777, 
#>         creditAmount >= 3053.5 & (age < 32.5 | is.na(age)) & 
#>             (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             0.00183098088, (creditAmount < 3404 | is.na(creditAmount)) & 
#>             creditAmount >= 1749.5 & creditHistory_existing.paid >= 
#>             0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) ~ 
#>             0.00150486326, creditAmount >= 3404 & creditAmount >= 
#>             1749.5 & creditHistory_existing.paid >= 0.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (checkingStatus_X..200 < 
#>             0.5 | is.na(checkingStatus_X..200)) ~ -0.00863068365) + 
#>     case_when((duration < 8.5 | is.na(duration)) ~ -0.00470052566, 
#>         creditHistory_no.credits.all.paid >= 0.5 & duration >= 
#>             8.5 ~ 0.00806702208, (otherPaymentPlans_none < 0.5 | 
#>             is.na(otherPaymentPlans_none)) & purpose_new.car >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>             8.5 ~ 0.00869773608, propertyMagnitude_car >= 0.5 & 
#>             otherPaymentPlans_none >= 0.5 & purpose_new.car >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>             8.5 ~ 0.00584801706, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>             (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.00581733929, ownTelephone_yes >= 
#>             0.5 & (residenceSince < 1.5 | is.na(residenceSince)) & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ 0.000130683547, (duration < 10.5 | 
#>             is.na(duration)) & residenceSince >= 1.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ 0.00576925324, (age < 32 | is.na(age)) & 
#>             (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>             propertyMagnitude_life.insurance >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.000376964454, age >= 32 & (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & propertyMagnitude_life.insurance >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ 0.00412019156, (ownTelephone_yes < 
#>             0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>             3.5 & propertyMagnitude_life.insurance >= 0.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.00379168149, ownTelephone_yes >= 
#>             0.5 & installmentCommitment >= 3.5 & propertyMagnitude_life.insurance >= 
#>             0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.0101616597, (age < 34.5 | is.na(age)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             otherPaymentPlans_none >= 0.5 & purpose_new.car >= 
#>             0.5 & (creditHistory_no.credits.all.paid < 0.5 | 
#>             is.na(creditHistory_no.credits.all.paid)) & duration >= 
#>             8.5 ~ 0.00190025603, age >= 34.5 & (propertyMagnitude_car < 
#>             0.5 | is.na(propertyMagnitude_car)) & otherPaymentPlans_none >= 
#>             0.5 & purpose_new.car >= 0.5 & (creditHistory_no.credits.all.paid < 
#>             0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.00687097106, (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & duration >= 
#>             10.5 & residenceSince >= 1.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.00789602194, checkingStatus_X0..X.200 >= 
#>             0.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             duration >= 10.5 & residenceSince >= 1.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.00072485453, (otherParties_none < 
#>             0.5 | is.na(otherParties_none)) & installmentCommitment >= 
#>             2.5 & duration >= 10.5 & residenceSince >= 1.5 & 
#>             (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ -0.00807262305, otherParties_none >= 
#>             0.5 & installmentCommitment >= 2.5 & duration >= 
#>             10.5 & residenceSince >= 1.5 & (propertyMagnitude_life.insurance < 
#>             0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>             duration >= 8.5 ~ 0.00439198455) + case_when((creditAmount < 
#>     2994.5 | is.na(creditAmount)) & creditHistory_all.paid >= 
#>     0.5 ~ 0.00204949616, creditAmount >= 2994.5 & creditHistory_all.paid >= 
#>     0.5 ~ 0.00867165811, employment_X1..X.4 >= 0.5 & job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00231772801, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00838634279, checkingStatus_X0..X.200 >= 
#>     0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     job_high.qualif.self.emp.mgmt >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00157988211, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.000766281155, personalStatus_male.div.sep >= 0.5 & housing_own >= 
#>     0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00485759834, (age < 23.5 | is.na(age)) & (age < 30.5 | 
#>     is.na(age)) & propertyMagnitude_life.insurance >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00152350776, age >= 
#>     23.5 & (age < 30.5 | is.na(age)) & propertyMagnitude_life.insurance >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00828422513, (age < 37.5 | is.na(age)) & age >= 30.5 & 
#>     propertyMagnitude_life.insurance >= 0.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00689769723, age >= 
#>     37.5 & age >= 30.5 & propertyMagnitude_life.insurance >= 
#>     0.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     -0.00550133456, job_unskilled.resident >= 0.5 & ownTelephone_none >= 
#>     0.5 & (housing_own < 0.5 | is.na(housing_own)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.0010684455, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & ownTelephone_none >= 
#>     0.5 & (housing_own < 0.5 | is.na(housing_own)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00992781855, savingsStatus_X.100 >= 
#>     0.5 & (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     ownTelephone_none >= 0.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00391752925, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     job_unskilled.resident >= 0.5 & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & housing_own >= 
#>     0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     4.22700432e-05, residenceSince >= 3.5 & job_unskilled.resident >= 
#>     0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     housing_own >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ 0.00464846706, (age < 
#>     33 | is.na(age)) & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     housing_own >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00986476615, age >= 
#>     33 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     housing_own >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00111669966, (age < 
#>     26.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & (job_unskilled.resident < 
#>     0.5 | is.na(job_unskilled.resident)) & (personalStatus_male.div.sep < 
#>     0.5 | is.na(personalStatus_male.div.sep)) & housing_own >= 
#>     0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>     (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>     0.00498035224, age >= 26.5 & savingsStatus_X.100 >= 0.5 & 
#>     (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     housing_own >= 0.5 & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) ~ -0.00490781525) + 
#>     case_when(employment_X1..X.4 >= 0.5 & age >= 44.5 ~ 0.00399621762, 
#>         numDependents >= 1.5 & (otherPaymentPlans_none < 0.5 | 
#>             is.na(otherPaymentPlans_none)) & (age < 44.5 | is.na(age)) ~ 
#>             0.00943121873, (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             age >= 44.5 ~ -0.00923493039, otherPaymentPlans_bank >= 
#>             0.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             age >= 44.5 ~ -0.00311049423, age >= 30.5 & (numDependents < 
#>             1.5 | is.na(numDependents)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (age < 44.5 | 
#>             is.na(age)) ~ 0.00604570983, (creditAmount < 776 | 
#>             is.na(creditAmount)) & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>             0.5 & (age < 44.5 | is.na(age)) ~ 0.00483527081, 
#>         (age < 23.5 | is.na(age)) & checkingStatus_X0..X.200 >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & (age < 44.5 | 
#>             is.na(age)) ~ 0.00746072968, (age < 26.5 | is.na(age)) & 
#>             (age < 30.5 | is.na(age)) & (numDependents < 1.5 | 
#>             is.na(numDependents)) & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & (age < 44.5 | 
#>             is.na(age)) ~ 0.00593393389, age >= 26.5 & (age < 
#>             30.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             (age < 44.5 | is.na(age)) ~ -0.0040345937, (creditAmount < 
#>             2300.5 | is.na(creditAmount)) & age >= 23.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & (age < 44.5 | 
#>             is.na(age)) ~ 0.00413690601, duration >= 31.5 & (age < 
#>             30.5 | is.na(age)) & creditAmount >= 776 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>             0.5 & (age < 44.5 | is.na(age)) ~ 0.00427512918, 
#>         checkingStatus_no.checking >= 0.5 & age >= 30.5 & creditAmount >= 
#>             776 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             otherPaymentPlans_none >= 0.5 & (age < 44.5 | is.na(age)) ~ 
#>             -0.0050976607, job_high.qualif.self.emp.mgmt >= 0.5 & 
#>             creditAmount >= 2300.5 & age >= 23.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & (age < 44.5 | 
#>             is.na(age)) ~ 0.00256838999, (duration < 13 | is.na(duration)) & 
#>             (duration < 31.5 | is.na(duration)) & (age < 30.5 | 
#>             is.na(age)) & creditAmount >= 776 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>             0.5 & (age < 44.5 | is.na(age)) ~ -0.00181346363, 
#>         duration >= 13 & (duration < 31.5 | is.na(duration)) & 
#>             (age < 30.5 | is.na(age)) & creditAmount >= 776 & 
#>             (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>             otherPaymentPlans_none >= 0.5 & (age < 44.5 | is.na(age)) ~ 
#>             -0.00811066572, (duration < 27 | is.na(duration)) & 
#>             (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             age >= 30.5 & creditAmount >= 776 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>             0.5 & (age < 44.5 | is.na(age)) ~ 0.00721248239, 
#>         duration >= 27 & (checkingStatus_no.checking < 0.5 | 
#>             is.na(checkingStatus_no.checking)) & age >= 30.5 & 
#>             creditAmount >= 776 & (checkingStatus_X0..X.200 < 
#>             0.5 | is.na(checkingStatus_X0..X.200)) & otherPaymentPlans_none >= 
#>             0.5 & (age < 44.5 | is.na(age)) ~ -0.00241867616, 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>             (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             creditAmount >= 2300.5 & age >= 23.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & (age < 44.5 | 
#>             is.na(age)) ~ -0.00896181166, installmentCommitment >= 
#>             2.5 & (job_high.qualif.self.emp.mgmt < 0.5 | is.na(job_high.qualif.self.emp.mgmt)) & 
#>             creditAmount >= 2300.5 & age >= 23.5 & checkingStatus_X0..X.200 >= 
#>             0.5 & otherPaymentPlans_none >= 0.5 & (age < 44.5 | 
#>             is.na(age)) ~ -0.00017978088) + case_when((creditAmount < 
#>     819 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) ~ 0.00517334044, (creditAmount < 
#>     1438.5 | is.na(creditAmount)) & (duration < 14.5 | is.na(duration)) & 
#>     purpose_new.car >= 0.5 ~ 0.0022074692, creditAmount >= 1438.5 & 
#>     (duration < 14.5 | is.na(duration)) & purpose_new.car >= 
#>     0.5 ~ -0.00463271048, ownTelephone_yes >= 0.5 & duration >= 
#>     14.5 & purpose_new.car >= 0.5 ~ 0.00127412332, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (creditAmount < 2173 | 
#>     is.na(creditAmount)) & purpose_furniture.equipment >= 0.5 & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00142938795, 
#>     checkingStatus_X.0 >= 0.5 & (creditAmount < 2173 | is.na(creditAmount)) & 
#>         purpose_furniture.equipment >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00759956986, (age < 
#>         34.5 | is.na(age)) & creditAmount >= 2173 & purpose_furniture.equipment >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.0107332077, age >= 34.5 & creditAmount >= 2173 & purpose_furniture.equipment >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.000554382044, (age < 32.5 | is.na(age)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & duration >= 14.5 & purpose_new.car >= 
#>         0.5 ~ 0.00322347344, age >= 32.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & duration >= 14.5 & purpose_new.car >= 
#>         0.5 ~ 0.0119737471, duration >= 39.5 & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) & creditAmount >= 819 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00186439417, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 7480.5 & creditAmount >= 819 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00188737968, savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 7480.5 & creditAmount >= 819 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00338174007, 
#>     (job_skilled < 0.5 | is.na(job_skilled)) & (creditAmount < 
#>         2295.5 | is.na(creditAmount)) & (duration < 39.5 | is.na(duration)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) & creditAmount >= 
#>         819 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00470834319, 
#>     employment_X.1 >= 0.5 & creditAmount >= 2295.5 & (duration < 
#>         39.5 | is.na(duration)) & (creditAmount < 7480.5 | is.na(creditAmount)) & 
#>         creditAmount >= 819 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00248086173, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & job_skilled >= 
#>         0.5 & (creditAmount < 2295.5 | is.na(creditAmount)) & 
#>         (duration < 39.5 | is.na(duration)) & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) & creditAmount >= 819 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00326098106, 
#>     checkingStatus_no.checking >= 0.5 & job_skilled >= 0.5 & 
#>         (creditAmount < 2295.5 | is.na(creditAmount)) & (duration < 
#>         39.5 | is.na(duration)) & (creditAmount < 7480.5 | is.na(creditAmount)) & 
#>         creditAmount >= 819 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00369677506, (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & creditAmount >= 2295.5 & 
#>         (duration < 39.5 | is.na(duration)) & (creditAmount < 
#>         7480.5 | is.na(creditAmount)) & creditAmount >= 819 & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00409440976, 
#>     savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         creditAmount >= 2295.5 & (duration < 39.5 | is.na(duration)) & 
#>         (creditAmount < 7480.5 | is.na(creditAmount)) & creditAmount >= 
#>         819 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00950372871) + 
#>     case_when(purpose_new.car >= 0.5 & age >= 44.5 ~ 0.00180780806, 
#>         (housing_own < 0.5 | is.na(housing_own)) & purpose_used.car >= 
#>             0.5 & (age < 44.5 | is.na(age)) ~ -0.000934672193, 
#>         housing_own >= 0.5 & purpose_used.car >= 0.5 & (age < 
#>             44.5 | is.na(age)) ~ -0.00613256777, (age < 52.5 | 
#>             is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             age >= 44.5 ~ -0.00899585988, (ownTelephone_none < 
#>             0.5 | is.na(ownTelephone_none)) & age >= 38.5 & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             0.00954691786, ownTelephone_none >= 0.5 & age >= 
#>             38.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (age < 44.5 | is.na(age)) ~ 0.00379157509, (employment_X..7 < 
#>             0.5 | is.na(employment_X..7)) & age >= 52.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & age >= 44.5 ~ -0.000742673234, 
#>         employment_X..7 >= 0.5 & age >= 52.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & age >= 44.5 ~ 0.00215445715, 
#>         (job_skilled < 0.5 | is.na(job_skilled)) & otherPaymentPlans_bank >= 
#>             0.5 & (personalStatus_female.div.dep.mar < 0.5 | 
#>             is.na(personalStatus_female.div.dep.mar)) & (age < 
#>             38.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (age < 44.5 | is.na(age)) ~ 0.000574452453, job_skilled >= 
#>             0.5 & otherPaymentPlans_bank >= 0.5 & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 38.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             0.00786511134, (duration < 13.5 | is.na(duration)) & 
#>             (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (age < 
#>             38.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (age < 44.5 | is.na(age)) ~ 0.00518693542, (age < 
#>             27.5 | is.na(age)) & employment_X1..X.4 >= 0.5 & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (age < 
#>             38.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (age < 44.5 | is.na(age)) ~ 0.000231092679, age >= 
#>             27.5 & employment_X1..X.4 >= 0.5 & personalStatus_female.div.dep.mar >= 
#>             0.5 & (age < 38.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             0.0136773642, purpose_new.car >= 0.5 & (duration < 
#>             25.5 | is.na(duration)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 38.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             -0.00843152031, (creditAmount < 6587 | is.na(creditAmount)) & 
#>             duration >= 25.5 & (otherPaymentPlans_bank < 0.5 | 
#>             is.na(otherPaymentPlans_bank)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 38.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             0.00625461573, creditAmount >= 6587 & duration >= 
#>             25.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>             (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 38.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             -0.00519010704, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>             duration >= 13.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             personalStatus_female.div.dep.mar >= 0.5 & (age < 
#>             38.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>             (age < 44.5 | is.na(age)) ~ -0.00542350393, residenceSince >= 
#>             2.5 & duration >= 13.5 & (employment_X1..X.4 < 0.5 | 
#>             is.na(employment_X1..X.4)) & personalStatus_female.div.dep.mar >= 
#>             0.5 & (age < 38.5 | is.na(age)) & (purpose_used.car < 
#>             0.5 | is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             0.002010128, (creditAmount < 1527.5 | is.na(creditAmount)) & 
#>             (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>             (duration < 25.5 | is.na(duration)) & (otherPaymentPlans_bank < 
#>             0.5 | is.na(otherPaymentPlans_bank)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 38.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             -0.00680099195, creditAmount >= 1527.5 & (purpose_new.car < 
#>             0.5 | is.na(purpose_new.car)) & (duration < 25.5 | 
#>             is.na(duration)) & (otherPaymentPlans_bank < 0.5 | 
#>             is.na(otherPaymentPlans_bank)) & (personalStatus_female.div.dep.mar < 
#>             0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>             (age < 38.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>             is.na(purpose_used.car)) & (age < 44.5 | is.na(age)) ~ 
#>             0.000215877139) + case_when((job_skilled < 0.5 | 
#>     is.na(job_skilled)) & (installmentCommitment < 1.5 | is.na(installmentCommitment)) ~ 
#>     -0.0017553845, job_skilled >= 0.5 & (installmentCommitment < 
#>     1.5 | is.na(installmentCommitment)) ~ 0.00596514437, savingsStatus_no.known.savings >= 
#>     0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>     installmentCommitment >= 1.5 ~ -0.00625729235, (age < 25.5 | 
#>     is.na(age)) & (age < 29.5 | is.na(age)) & ownTelephone_yes >= 
#>     0.5 & installmentCommitment >= 1.5 ~ -0.000460455747, age >= 
#>     25.5 & (age < 29.5 | is.na(age)) & ownTelephone_yes >= 0.5 & 
#>     installmentCommitment >= 1.5 ~ 0.00304884813, existingCredits >= 
#>     1.5 & age >= 29.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>     1.5 ~ -0.00830128696, otherPaymentPlans_bank >= 0.5 & (age < 
#>     28.5 | is.na(age)) & (savingsStatus_no.known.savings < 0.5 | 
#>     is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ 0.00843914878, (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & age >= 
#>     29.5 & ownTelephone_yes >= 0.5 & installmentCommitment >= 
#>     1.5 ~ -0.00731845014, employment_X..7 >= 0.5 & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & age >= 29.5 & ownTelephone_yes >= 
#>     0.5 & installmentCommitment >= 1.5 ~ 0.00412163232, age >= 
#>     25.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (age < 28.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ -0.00777080748, (age < 37.5 | is.na(age)) & (duration < 
#>     14 | is.na(duration)) & age >= 28.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ 0.00276645971, age >= 37.5 & (duration < 14 | is.na(duration)) & 
#>     age >= 28.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ -0.00498553272, duration >= 33 & duration >= 14 & age >= 
#>     28.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ 0.000864784524, (duration < 15 | is.na(duration)) & 
#>     (age < 25.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & (age < 28.5 | is.na(age)) & 
#>     (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ -0.00439089909, duration >= 15 & (age < 25.5 | is.na(age)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     (age < 28.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ 0.0027288096, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>     (duration < 33 | is.na(duration)) & duration >= 14 & age >= 
#>     28.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ 0.012716908, residenceSince >= 2.5 & (duration < 33 | 
#>     is.na(duration)) & duration >= 14 & age >= 28.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (ownTelephone_yes < 
#>     0.5 | is.na(ownTelephone_yes)) & installmentCommitment >= 
#>     1.5 ~ 0.0036190527) + case_when(otherParties_guarantor >= 
#>     0.5 & housing_own >= 0.5 ~ -0.00669574179, (creditAmount < 
#>     6401 | is.na(creditAmount)) & (installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & (housing_own < 0.5 | is.na(housing_own)) ~ 
#>     -0.00593589526, creditAmount >= 6401 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (housing_own < 0.5 | 
#>     is.na(housing_own)) ~ 0.00338374963, (creditAmount < 1297.5 | 
#>     is.na(creditAmount)) & installmentCommitment >= 2.5 & (housing_own < 
#>     0.5 | is.na(housing_own)) ~ 0.00981695205, personalStatus_female.div.dep.mar >= 
#>     0.5 & creditAmount >= 1297.5 & installmentCommitment >= 2.5 & 
#>     (housing_own < 0.5 | is.na(housing_own)) ~ -0.00137605483, 
#>     age >= 36 & (creditAmount < 1048.5 | is.na(creditAmount)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         housing_own >= 0.5 ~ -0.00153984956, (duration < 13.5 | 
#>         is.na(duration)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1297.5 & installmentCommitment >= 2.5 & (housing_own < 
#>         0.5 | is.na(housing_own)) ~ 0.00793808419, (duration < 
#>         10.5 | is.na(duration)) & (age < 36 | is.na(age)) & (creditAmount < 
#>         1048.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ 0.00656261714, duration >= 10.5 & (age < 36 | is.na(age)) & 
#>         (creditAmount < 1048.5 | is.na(creditAmount)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ 0.00165983103, numDependents >= 1.5 & ownTelephone_none >= 
#>         0.5 & creditAmount >= 1048.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ 0.0029735507, (duration < 33 | is.na(duration)) & 
#>         duration >= 13.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1297.5 & installmentCommitment >= 2.5 & (housing_own < 
#>         0.5 | is.na(housing_own)) ~ -0.000556386425, duration >= 
#>         33 & duration >= 13.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1297.5 & installmentCommitment >= 2.5 & (housing_own < 
#>         0.5 | is.na(housing_own)) ~ 0.00547985313, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & (residenceSince < 3.5 | 
#>         is.na(residenceSince)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1048.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & housing_own >= 0.5 ~ 
#>         -0.00087358139, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & residenceSince >= 
#>         3.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1048.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & housing_own >= 0.5 ~ 
#>         0.000744143792, creditHistory_existing.paid >= 0.5 & 
#>         residenceSince >= 3.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1048.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & housing_own >= 0.5 ~ 
#>         -0.00595428469, propertyMagnitude_real.estate >= 0.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>         0.5 & creditAmount >= 1048.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ -0.000140353295, checkingStatus_X.0 >= 0.5 & residenceSince >= 
#>         1.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1048.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & housing_own >= 0.5 ~ 
#>         0.00155173312, personalStatus_female.div.dep.mar >= 0.5 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>         0.5 & creditAmount >= 1048.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ -0.00803922769, (propertyMagnitude_car < 0.5 | 
#>         is.na(propertyMagnitude_car)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & residenceSince >= 
#>         1.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1048.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & housing_own >= 0.5 ~ 
#>         0.0014822972, propertyMagnitude_car >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & residenceSince >= 
#>         1.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         creditAmount >= 1048.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & housing_own >= 0.5 ~ 
#>         0.00695849629, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>         0.5 & creditAmount >= 1048.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ 0.00156409713, personalStatus_male.single >= 0.5 & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & ownTelephone_none >= 
#>         0.5 & creditAmount >= 1048.5 & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & housing_own >= 
#>         0.5 ~ -0.00597685436) + case_when(creditHistory_all.paid >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>     0.00730376877, (creditAmount < 1371.5 | is.na(creditAmount)) & 
#>     purpose_radio.tv >= 0.5 ~ 0.000863588823, employment_X1..X.4 >= 
#>     0.5 & creditAmount >= 1371.5 & purpose_radio.tv >= 0.5 ~ 
#>     -0.00181946938, propertyMagnitude_life.insurance >= 0.5 & 
#>     savingsStatus_no.known.savings >= 0.5 & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) ~ 0.00200149999, (creditAmount < 
#>     3059.5 | is.na(creditAmount)) & (employment_X1..X.4 < 0.5 | 
#>     is.na(employment_X1..X.4)) & creditAmount >= 1371.5 & purpose_radio.tv >= 
#>     0.5 ~ -0.00963504054, creditAmount >= 3059.5 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & creditAmount >= 1371.5 & 
#>     purpose_radio.tv >= 0.5 ~ -0.00387408491, (duration < 25.5 | 
#>     is.na(duration)) & housing_for.free >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) ~ -0.00869308785, duration >= 
#>     25.5 & housing_for.free >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>     0.5 | is.na(creditHistory_all.paid)) & (purpose_radio.tv < 
#>     0.5 | is.na(purpose_radio.tv)) ~ 0.000240045352, (creditAmount < 
#>     4253.5 | is.na(creditAmount)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_no.known.savings >= 
#>     0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ -0.00357460487, 
#>     creditAmount >= 4253.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & savingsStatus_no.known.savings >= 
#>         0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00976748392, (creditAmount < 1201.5 | is.na(creditAmount)) & 
#>         (duration < 11.5 | is.na(duration)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.000764675322, creditAmount >= 
#>         1201.5 & (duration < 11.5 | is.na(duration)) & (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) ~ -0.00814413093, (creditAmount < 
#>         2122.5 | is.na(creditAmount)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & duration >= 
#>         11.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.000223566472, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         creditAmount >= 2122.5 & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & duration >= 
#>         11.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00921441428, checkingStatus_X0..X.200 >= 0.5 & creditAmount >= 
#>         2122.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         duration >= 11.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00070308242, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         creditHistory_existing.paid >= 0.5 & duration >= 11.5 & 
#>         (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.00614340184, ownTelephone_yes >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & creditHistory_existing.paid >= 
#>         0.5 & duration >= 11.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00166271336, (creditAmount < 3356.5 | is.na(creditAmount)) & 
#>         checkingStatus_X.0 >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & duration >= 11.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         0.000613631215, creditAmount >= 3356.5 & checkingStatus_X.0 >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & duration >= 
#>         11.5 & (housing_for.free < 0.5 | is.na(housing_for.free)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) ~ 
#>         -0.00685284846) + case_when(personalStatus_male.div.sep >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 
#>     0.00406660046, creditHistory_no.credits.all.paid >= 0.5 & 
#>     (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>     (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.0049100793, 
#>     (duration < 17 | is.na(duration)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & employment_X..7 >= 
#>         0.5 ~ 0.0101047922, (creditAmount < 2558 | is.na(creditAmount)) & 
#>         checkingStatus_no.checking >= 0.5 & employment_X..7 >= 
#>         0.5 ~ 0.00354283839, creditAmount >= 2558 & checkingStatus_no.checking >= 
#>         0.5 & employment_X..7 >= 0.5 ~ -0.00588250859, (creditAmount < 
#>         3811 | is.na(creditAmount)) & duration >= 17 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & employment_X..7 >= 
#>         0.5 ~ -0.0019623877, creditAmount >= 3811 & duration >= 
#>         17 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         employment_X..7 >= 0.5 ~ 0.00644992711, creditAmount >= 
#>         1811.5 & (creditAmount < 1946.5 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.00838871207, 
#>     (age < 23.5 | is.na(age)) & creditAmount >= 1946.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ 0.00316860131, duration >= 
#>         12.5 & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditAmount < 1811.5 | is.na(creditAmount)) & (creditAmount < 
#>         1946.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ -0.00197210792, personalStatus_male.single >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & (creditAmount < 1811.5 | 
#>         is.na(creditAmount)) & (creditAmount < 1946.5 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.00049781386, 
#>     (residenceSince < 1.5 | is.na(residenceSince)) & (duration < 
#>         37.5 | is.na(duration)) & age >= 23.5 & creditAmount >= 
#>         1946.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ -0.00216707052, 
#>     (age < 33.5 | is.na(age)) & duration >= 37.5 & age >= 23.5 & 
#>         creditAmount >= 1946.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ 0.0046079657, age >= 
#>         33.5 & duration >= 37.5 & age >= 23.5 & creditAmount >= 
#>         1946.5 & (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ -0.00448446162, 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (duration < 12.5 | is.na(duration)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (creditAmount < 1811.5 | 
#>         is.na(creditAmount)) & (creditAmount < 1946.5 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ 0.00794114359, 
#>     propertyMagnitude_real.estate >= 0.5 & (duration < 12.5 | 
#>         is.na(duration)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         (creditAmount < 1811.5 | is.na(creditAmount)) & (creditAmount < 
#>         1946.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ -0.000937407429, (age < 
#>         27.5 | is.na(age)) & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & employment_X1..X.4 >= 
#>         0.5 & (creditAmount < 1811.5 | is.na(creditAmount)) & 
#>         (creditAmount < 1946.5 | is.na(creditAmount)) & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ -0.00932867453, age >= 
#>         27.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         employment_X1..X.4 >= 0.5 & (creditAmount < 1811.5 | 
#>         is.na(creditAmount)) & (creditAmount < 1946.5 | is.na(creditAmount)) & 
#>         (creditHistory_no.credits.all.paid < 0.5 | is.na(creditHistory_no.credits.all.paid)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) ~ -0.00307921949, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & residenceSince >= 
#>         1.5 & (duration < 37.5 | is.na(duration)) & age >= 23.5 & 
#>         creditAmount >= 1946.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ -0.00950665772, existingCredits >= 
#>         1.5 & residenceSince >= 1.5 & (duration < 37.5 | is.na(duration)) & 
#>         age >= 23.5 & creditAmount >= 1946.5 & (creditHistory_no.credits.all.paid < 
#>         0.5 | is.na(creditHistory_no.credits.all.paid)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) ~ -0.0047941152) + case_when(otherParties_guarantor >= 
#>     0.5 ~ -0.00710148178, creditHistory_delayed.previously >= 
#>     0.5 & checkingStatus_X0..X.200 >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00279912236, job_high.qualif.self.emp.mgmt >= 
#>     0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.0036867368, (duration < 
#>     9.5 | is.na(duration)) & (propertyMagnitude_life.insurance < 
#>     0.5 | is.na(propertyMagnitude_life.insurance)) & (duration < 
#>     16.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00124890963, duration >= 
#>     9.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     (duration < 16.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00836290978, (creditAmount < 
#>     1685 | is.na(creditAmount)) & propertyMagnitude_life.insurance >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00300900801, creditAmount >= 
#>     1685 & propertyMagnitude_life.insurance >= 0.5 & (duration < 
#>     16.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 0.5 | 
#>     is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00763727818, (creditAmount < 
#>     7696 | is.na(creditAmount)) & duration >= 37.5 & duration >= 
#>     16.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.000523500959, creditAmount >= 7696 & duration >= 37.5 & 
#>     duration >= 16.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     -0.00523202727, creditAmount >= 3468.5 & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00239055371, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>     (creditAmount < 3363.5 | is.na(creditAmount)) & (duration < 
#>     37.5 | is.na(duration)) & duration >= 16.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ 0.00773386983, existingCredits >= 
#>     1.5 & (creditAmount < 3363.5 | is.na(creditAmount)) & (duration < 
#>     37.5 | is.na(duration)) & duration >= 16.5 & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (otherParties_guarantor < 
#>     0.5 | is.na(otherParties_guarantor)) ~ -0.00219934736, ownTelephone_none >= 
#>     0.5 & creditAmount >= 3363.5 & (duration < 37.5 | is.na(duration)) & 
#>     duration >= 16.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     -0.00550596602, existingCredits >= 1.5 & (creditAmount < 
#>     3468.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.01071868, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & creditAmount >= 
#>     3363.5 & (duration < 37.5 | is.na(duration)) & duration >= 
#>     16.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.000482614618, installmentCommitment >= 3.5 & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & creditAmount >= 3363.5 & 
#>     (duration < 37.5 | is.na(duration)) & duration >= 16.5 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00528355129, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & (creditAmount < 
#>     3468.5 | is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 
#>     0.5 | is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00135388819, savingsStatus_X.100 >= 0.5 & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & (creditAmount < 3468.5 | 
#>     is.na(creditAmount)) & (job_high.qualif.self.emp.mgmt < 0.5 | 
#>     is.na(job_high.qualif.self.emp.mgmt)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) ~ 
#>     0.00575046707) + case_when(foreignWorker_no >= 0.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.0058155274, (duration < 
#>     29 | is.na(duration)) & purpose_used.car >= 0.5 ~ -0.00275545474, 
#>     duration >= 29 & purpose_used.car >= 0.5 ~ -0.00746139139, 
#>     ownTelephone_yes >= 0.5 & age >= 44.5 & (foreignWorker_no < 
#>         0.5 | is.na(foreignWorker_no)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00764999259, creditAmount >= 
#>         3317 & employment_X..7 >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00371911307, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         age >= 44.5 & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00457663368, job_skilled >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & age >= 44.5 & (foreignWorker_no < 
#>         0.5 | is.na(foreignWorker_no)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00219244882, (creditAmount < 
#>         1480 | is.na(creditAmount)) & (creditAmount < 3317 | 
#>         is.na(creditAmount)) & employment_X..7 >= 0.5 & (age < 
#>         44.5 | is.na(age)) & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000276529347, creditAmount >= 1480 & (creditAmount < 
#>         3317 | is.na(creditAmount)) & employment_X..7 >= 0.5 & 
#>         (age < 44.5 | is.na(age)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00732469838, (creditAmount < 
#>         767.5 | is.na(creditAmount)) & (creditAmount < 1266.5 | 
#>         is.na(creditAmount)) & (creditAmount < 3364.5 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (age < 
#>         44.5 | is.na(age)) & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00258272188, (creditAmount < 4231 | is.na(creditAmount)) & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3364.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (age < 44.5 | is.na(age)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.0103059588, (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & installmentCommitment >= 
#>         2.5 & creditAmount >= 3364.5 & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & (age < 44.5 | is.na(age)) & 
#>         (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000886782829, propertyMagnitude_car >= 0.5 & installmentCommitment >= 
#>         2.5 & creditAmount >= 3364.5 & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & (age < 44.5 | is.na(age)) & 
#>         (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0063950941, (creditAmount < 986 | is.na(creditAmount)) & 
#>         creditAmount >= 767.5 & (creditAmount < 1266.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3364.5 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (age < 44.5 | is.na(age)) & 
#>         (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00186856976, creditAmount >= 986 & creditAmount >= 
#>         767.5 & (creditAmount < 1266.5 | is.na(creditAmount)) & 
#>         (creditAmount < 3364.5 | is.na(creditAmount)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & (age < 44.5 | is.na(age)) & 
#>         (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00639304845, (age < 31.5 | is.na(age)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1266.5 & (creditAmount < 3364.5 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (age < 
#>         44.5 | is.na(age)) & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00591825368, age >= 31.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditAmount >= 
#>         1266.5 & (creditAmount < 3364.5 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (age < 
#>         44.5 | is.na(age)) & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0156884231, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & creditAmount >= 
#>         1266.5 & (creditAmount < 3364.5 | is.na(creditAmount)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & (age < 
#>         44.5 | is.na(age)) & (foreignWorker_no < 0.5 | is.na(foreignWorker_no)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0010965917, checkingStatus_X.0 >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & creditAmount >= 1266.5 & (creditAmount < 3364.5 | 
#>         is.na(creditAmount)) & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (age < 44.5 | is.na(age)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00522169145, (creditAmount < 
#>         7146.5 | is.na(creditAmount)) & creditAmount >= 4231 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         creditAmount >= 3364.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (age < 44.5 | is.na(age)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00505565992, creditAmount >= 
#>         7146.5 & creditAmount >= 4231 & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & creditAmount >= 
#>         3364.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         (age < 44.5 | is.na(age)) & (foreignWorker_no < 0.5 | 
#>         is.na(foreignWorker_no)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.00520828133) + case_when((otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (creditAmount < 1205.5 | 
#>     is.na(creditAmount)) ~ 0.000978875789, employment_X.1 >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (creditAmount < 1205.5 | 
#>     is.na(creditAmount)) ~ -0.00967851933, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) & otherPaymentPlans_none >= 0.5 & 
#>     (creditAmount < 1205.5 | is.na(creditAmount)) ~ -0.0074123689, 
#>     checkingStatus_X.0 >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         otherPaymentPlans_none >= 0.5 & (creditAmount < 1205.5 | 
#>         is.na(creditAmount)) ~ 0.00136094645, housing_rent >= 
#>         0.5 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 1205.5 ~ -0.00575882522, (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & propertyMagnitude_car >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 1205.5 ~ -0.00872482918, savingsStatus_X100..X.500 >= 
#>         0.5 & propertyMagnitude_car >= 0.5 & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 1205.5 ~ 
#>         -0.00161530962, creditAmount >= 4091 & (age < 26.5 | 
#>         is.na(age)) & savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>         1205.5 ~ 0.00942286756, creditAmount >= 8134 & age >= 
#>         26.5 & savingsStatus_X.100 >= 0.5 & creditAmount >= 1205.5 ~ 
#>         0.00494746305, numDependents >= 1.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 1205.5 ~ 
#>         0.00826969743, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (creditAmount < 4091 | is.na(creditAmount)) & (age < 
#>         26.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & creditAmount >= 
#>         1205.5 ~ -0.000904895191, residenceSince >= 3.5 & (creditAmount < 
#>         4091 | is.na(creditAmount)) & (age < 26.5 | is.na(age)) & 
#>         savingsStatus_X.100 >= 0.5 & creditAmount >= 1205.5 ~ 
#>         0.00599555299, personalStatus_male.div.sep >= 0.5 & (creditAmount < 
#>         8134 | is.na(creditAmount)) & age >= 26.5 & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1205.5 ~ 0.00613276148, (duration < 
#>         22.5 | is.na(duration)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 1205.5 ~ 
#>         0.00479379436, duration >= 39 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         8134 | is.na(creditAmount)) & age >= 26.5 & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1205.5 ~ 0.0049996241, (age < 30.5 | 
#>         is.na(age)) & duration >= 22.5 & (numDependents < 1.5 | 
#>         is.na(numDependents)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         creditAmount >= 1205.5 ~ -0.00468780007, age >= 30.5 & 
#>         duration >= 22.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (propertyMagnitude_car < 
#>         0.5 | is.na(propertyMagnitude_car)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & creditAmount >= 1205.5 ~ 
#>         -0.000844922964, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (age < 30.5 | is.na(age)) & (duration < 39 | is.na(duration)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (creditAmount < 8134 | is.na(creditAmount)) & age >= 
#>         26.5 & savingsStatus_X.100 >= 0.5 & creditAmount >= 1205.5 ~ 
#>         -0.00952321757, ownTelephone_yes >= 0.5 & (age < 30.5 | 
#>         is.na(age)) & (duration < 39 | is.na(duration)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         8134 | is.na(creditAmount)) & age >= 26.5 & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1205.5 ~ -0.00174680643, (residenceSince < 
#>         3.5 | is.na(residenceSince)) & age >= 30.5 & (duration < 
#>         39 | is.na(duration)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (creditAmount < 
#>         8134 | is.na(creditAmount)) & age >= 26.5 & savingsStatus_X.100 >= 
#>         0.5 & creditAmount >= 1205.5 ~ 0.00267018215, residenceSince >= 
#>         3.5 & age >= 30.5 & (duration < 39 | is.na(duration)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (creditAmount < 8134 | is.na(creditAmount)) & age >= 
#>         26.5 & savingsStatus_X.100 >= 0.5 & creditAmount >= 1205.5 ~ 
#>         -0.00460725417) + case_when((creditAmount < 2800 | is.na(creditAmount)) & 
#>     employment_X4..X.7 >= 0.5 ~ -0.0026325949, creditAmount >= 
#>     2800 & employment_X4..X.7 >= 0.5 ~ -0.0108922385, savingsStatus_X100..X.500 >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.0058365087, (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & housing_rent >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00713422056, (duration < 16.5 | is.na(duration)) & personalStatus_female.div.dep.mar >= 
#>     0.5 & housing_rent >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00441138633, duration >= 16.5 & personalStatus_female.div.dep.mar >= 
#>     0.5 & housing_rent >= 0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00532037113, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.000564758491, savingsStatus_X.100 >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00857915357, propertyMagnitude_real.estate >= 
#>     0.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00686274329, duration >= 
#>     28.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00413295301, age >= 
#>     41.5 & personalStatus_male.single >= 0.5 & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ 0.000685370993, (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (duration < 
#>     28.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00942168385, creditHistory_delayed.previously >= 
#>     0.5 & (duration < 28.5 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00334776565, (installmentCommitment < 
#>     3.5 | is.na(installmentCommitment)) & (age < 34.5 | is.na(age)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00809934735, installmentCommitment >= 
#>     3.5 & (age < 34.5 | is.na(age)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.00286915619, (creditAmount < 
#>     1717.5 | is.na(creditAmount)) & age >= 34.5 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.000959137862, creditAmount >= 
#>     1717.5 & age >= 34.5 & (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & creditHistory_existing.paid >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 0.5 | 
#>     is.na(employment_X4..X.7)) ~ -0.00743123516, (age < 27.5 | 
#>     is.na(age)) & (age < 41.5 | is.na(age)) & personalStatus_male.single >= 
#>     0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00186193793, age >= 
#>     27.5 & (age < 41.5 | is.na(age)) & personalStatus_male.single >= 
#>     0.5 & creditHistory_existing.paid >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00884367619) + case_when(creditAmount >= 
#>     9618.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.0042570848, duration >= 28.5 & (ownTelephone_none < 0.5 | 
#>     is.na(ownTelephone_none)) & installmentCommitment >= 2.5 ~ 
#>     0.00586130796, (duration < 11.5 | is.na(duration)) & (residenceSince < 
#>     3.5 | is.na(residenceSince)) & (creditAmount < 9618.5 | is.na(creditAmount)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.00809259992, purpose_furniture.equipment >= 0.5 & residenceSince >= 
#>     3.5 & (creditAmount < 9618.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ 0.00552410819, propertyMagnitude_no.known.property >= 
#>     0.5 & (duration < 28.5 | is.na(duration)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>     2.5 ~ 0.000949450652, purpose_radio.tv >= 0.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & ownTelephone_none >= 0.5 & 
#>     installmentCommitment >= 2.5 ~ -0.0031005824, (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & residenceSince >= 
#>     2.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>     2.5 ~ 0.00833533239, propertyMagnitude_real.estate >= 0.5 & 
#>     residenceSince >= 2.5 & ownTelephone_none >= 0.5 & installmentCommitment >= 
#>     2.5 ~ 0.00290284958, personalStatus_male.single >= 0.5 & 
#>     duration >= 11.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (creditAmount < 9618.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.0060134707, (age < 
#>     33.5 | is.na(age)) & (purpose_furniture.equipment < 0.5 | 
#>     is.na(purpose_furniture.equipment)) & residenceSince >= 3.5 & 
#>     (creditAmount < 9618.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00972088333, (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) & (propertyMagnitude_no.known.property < 
#>     0.5 | is.na(propertyMagnitude_no.known.property)) & (duration < 
#>     28.5 | is.na(duration)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>     installmentCommitment >= 2.5 ~ -0.00970687624, personalStatus_female.div.dep.mar >= 
#>     0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & ownTelephone_none >= 
#>     0.5 & installmentCommitment >= 2.5 ~ 0.00534156058, (creditAmount < 
#>     2914 | is.na(creditAmount)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & duration >= 11.5 & 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>     9618.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ 0.00645193225, creditAmount >= 
#>     2914 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     duration >= 11.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (creditAmount < 9618.5 | is.na(creditAmount)) & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) ~ -0.00512633473, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & age >= 33.5 & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     residenceSince >= 3.5 & (creditAmount < 9618.5 | is.na(creditAmount)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     -0.00231279409, personalStatus_male.single >= 0.5 & age >= 
#>     33.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     residenceSince >= 3.5 & (creditAmount < 9618.5 | is.na(creditAmount)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) ~ 
#>     0.00319939107, (duration < 19.5 | is.na(duration)) & propertyMagnitude_car >= 
#>     0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (duration < 28.5 | is.na(duration)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>     2.5 ~ 0.00419762498, duration >= 19.5 & propertyMagnitude_car >= 
#>     0.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>     (duration < 28.5 | is.na(duration)) & (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & installmentCommitment >= 
#>     2.5 ~ -0.0046358672, (creditAmount < 2204.5 | is.na(creditAmount)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & ownTelephone_none >= 0.5 & 
#>     installmentCommitment >= 2.5 ~ -0.0052681095, creditAmount >= 
#>     2204.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & ownTelephone_none >= 0.5 & 
#>     installmentCommitment >= 2.5 ~ 0.00114103861) + case_when(creditAmount >= 
#>     3446.5 & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>     -0.00813779794, employment_X4..X.7 >= 0.5 & (creditAmount < 
#>     3446.5 | is.na(creditAmount)) & (creditAmount < 4049.5 | 
#>     is.na(creditAmount)) ~ -0.00690400926, checkingStatus_X0..X.200 >= 
#>     0.5 & (age < 37.5 | is.na(age)) & creditAmount >= 4049.5 ~ 
#>     0.00600925926, (creditAmount < 7114.5 | is.na(creditAmount)) & 
#>     age >= 37.5 & creditAmount >= 4049.5 ~ 0.0100650378, creditAmount >= 
#>     7114.5 & age >= 37.5 & creditAmount >= 4049.5 ~ 0.00277161901, 
#>     duration >= 34.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 3446.5 | is.na(creditAmount)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ 0.00640913099, (duration < 
#>         28.5 | is.na(duration)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & (age < 37.5 | 
#>         is.na(age)) & creditAmount >= 4049.5 ~ -0.00504244491, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & duration >= 
#>         28.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (age < 37.5 | is.na(age)) & creditAmount >= 4049.5 ~ 
#>         -0.00102011603, existingCredits >= 1.5 & duration >= 
#>         28.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (age < 37.5 | is.na(age)) & creditAmount >= 4049.5 ~ 
#>         0.00445686048, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         ownTelephone_yes >= 0.5 & (duration < 34.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 3446.5 | is.na(creditAmount)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ 0.00446670828, (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & (duration < 34.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 3446.5 | is.na(creditAmount)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ 0.00812603906, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & existingCredits >= 1.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 34.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3446.5 | 
#>         is.na(creditAmount)) & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>         -0.00482667703, job_skilled >= 0.5 & existingCredits >= 
#>         1.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 34.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3446.5 | 
#>         is.na(creditAmount)) & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>         0.000873812183, propertyMagnitude_life.insurance >= 0.5 & 
#>         installmentCommitment >= 2.5 & ownTelephone_yes >= 0.5 & 
#>         (duration < 34.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3446.5 | 
#>         is.na(creditAmount)) & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>         -0.0100355763, (age < 35.5 | is.na(age)) & otherPaymentPlans_none >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 34.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3446.5 | 
#>         is.na(creditAmount)) & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>         0.00285500172, age >= 35.5 & otherPaymentPlans_none >= 
#>         0.5 & (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (duration < 34.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3446.5 | 
#>         is.na(creditAmount)) & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>         -0.00722320704, (age < 31.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & installmentCommitment >= 
#>         2.5 & ownTelephone_yes >= 0.5 & (duration < 34.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (creditAmount < 3446.5 | is.na(creditAmount)) & (creditAmount < 
#>         4049.5 | is.na(creditAmount)) ~ 0.00355885341, age >= 
#>         31.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         installmentCommitment >= 2.5 & ownTelephone_yes >= 0.5 & 
#>         (duration < 34.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (creditAmount < 3446.5 | 
#>         is.na(creditAmount)) & (creditAmount < 4049.5 | is.na(creditAmount)) ~ 
#>         -0.00726076821) + case_when((personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>     25.5 | is.na(age)) & (residenceSince < 2.5 | is.na(residenceSince)) ~ 
#>     0.0125649795, personalStatus_female.div.dep.mar >= 0.5 & 
#>     (age < 25.5 | is.na(age)) & (residenceSince < 2.5 | is.na(residenceSince)) ~ 
#>     0.00140309939, creditAmount >= 8195 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & residenceSince >= 
#>     2.5 ~ 0.00617461884, (age < 33.5 | is.na(age)) & checkingStatus_no.checking >= 
#>     0.5 & residenceSince >= 2.5 ~ 0.00182399235, age >= 33.5 & 
#>     checkingStatus_no.checking >= 0.5 & residenceSince >= 2.5 ~ 
#>     -0.00803458598, (creditAmount < 3992.5 | is.na(creditAmount)) & 
#>     creditAmount >= 2880 & age >= 25.5 & (residenceSince < 2.5 | 
#>     is.na(residenceSince)) ~ -0.00503912615, (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (creditAmount < 1517.5 | 
#>     is.na(creditAmount)) & (creditAmount < 2880 | is.na(creditAmount)) & 
#>     age >= 25.5 & (residenceSince < 2.5 | is.na(residenceSince)) ~ 
#>     0.00155765051, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>     1517.5 | is.na(creditAmount)) & (creditAmount < 2880 | is.na(creditAmount)) & 
#>     age >= 25.5 & (residenceSince < 2.5 | is.na(residenceSince)) ~ 
#>     -0.00467457902, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     creditAmount >= 1517.5 & (creditAmount < 2880 | is.na(creditAmount)) & 
#>     age >= 25.5 & (residenceSince < 2.5 | is.na(residenceSince)) ~ 
#>     0.01099989, otherPaymentPlans_none >= 0.5 & creditAmount >= 
#>     1517.5 & (creditAmount < 2880 | is.na(creditAmount)) & age >= 
#>     25.5 & (residenceSince < 2.5 | is.na(residenceSince)) ~ 0.00339114573, 
#>     (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         creditAmount >= 3992.5 & creditAmount >= 2880 & age >= 
#>         25.5 & (residenceSince < 2.5 | is.na(residenceSince)) ~ 
#>         -0.00200000335, creditHistory_existing.paid >= 0.5 & 
#>         creditAmount >= 3992.5 & creditAmount >= 2880 & age >= 
#>         25.5 & (residenceSince < 2.5 | is.na(residenceSince)) ~ 
#>         0.00173971988, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (creditAmount < 
#>         1361 | is.na(creditAmount)) & (creditAmount < 8195 | 
#>         is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & residenceSince >= 
#>         2.5 ~ 0.00527600478, propertyMagnitude_real.estate >= 
#>         0.5 & (creditAmount < 1361 | is.na(creditAmount)) & (creditAmount < 
#>         8195 | is.na(creditAmount)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & residenceSince >= 
#>         2.5 ~ -0.00270888465, purpose_furniture.equipment >= 
#>         0.5 & creditAmount >= 1361 & (creditAmount < 8195 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         residenceSince >= 2.5 ~ 0.00109577912, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (housing_own < 
#>         0.5 | is.na(housing_own)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1361 & (creditAmount < 8195 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         residenceSince >= 2.5 ~ 0.00126439088, propertyMagnitude_no.known.property >= 
#>         0.5 & (housing_own < 0.5 | is.na(housing_own)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1361 & (creditAmount < 8195 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         residenceSince >= 2.5 ~ -0.0029445712, (duration < 28.5 | 
#>         is.na(duration)) & housing_own >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1361 & (creditAmount < 8195 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         residenceSince >= 2.5 ~ -0.00785437785, duration >= 28.5 & 
#>         housing_own >= 0.5 & (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & creditAmount >= 
#>         1361 & (creditAmount < 8195 | is.na(creditAmount)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         residenceSince >= 2.5 ~ -0.000677245494) + case_when(purpose_used.car >= 
#>     0.5 ~ -0.00819865521, (creditAmount < 1201.5 | is.na(creditAmount)) & 
#>     age >= 44.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.000816760934, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     creditAmount >= 1201.5 & age >= 44.5 & (purpose_used.car < 
#>     0.5 | is.na(purpose_used.car)) ~ -0.00778639549, propertyMagnitude_life.insurance >= 
#>     0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     0.0042742989, (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>     savingsStatus_X100..X.500 >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (age < 44.5 | is.na(age)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.000581435394, 
#>     creditHistory_existing.paid >= 0.5 & savingsStatus_X100..X.500 >= 
#>         0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00440986408, otherPaymentPlans_bank >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.0055219722, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & ownTelephone_yes >= 
#>         0.5 & savingsStatus_X.100 >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00872549508, propertyMagnitude_life.insurance >= 0.5 & 
#>         ownTelephone_yes >= 0.5 & savingsStatus_X.100 >= 0.5 & 
#>         (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.000887448608, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & personalStatus_male.single >= 
#>         0.5 & creditAmount >= 1201.5 & age >= 44.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00421126699, propertyMagnitude_no.known.property >= 
#>         0.5 & personalStatus_male.single >= 0.5 & creditAmount >= 
#>         1201.5 & age >= 44.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.000403895887, (age < 29.5 | is.na(age)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00838707946, age >= 34.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00423590979, (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 29.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (age < 44.5 | is.na(age)) & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ -0.0041863923, checkingStatus_no.checking >= 
#>         0.5 & age >= 29.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_X100..X.500 < 
#>         0.5 | is.na(savingsStatus_X100..X.500)) & (savingsStatus_X.100 < 
#>         0.5 | is.na(savingsStatus_X.100)) & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00133757421, job_unskilled.resident >= 0.5 & (age < 
#>         34.5 | is.na(age)) & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & savingsStatus_X.100 >= 
#>         0.5 & (age < 44.5 | is.na(age)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00797836483, (creditAmount < 
#>         1840.5 | is.na(creditAmount)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (age < 34.5 | 
#>         is.na(age)) & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00390343927, creditAmount >= 1840.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (age < 34.5 | 
#>         is.na(age)) & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         savingsStatus_X.100 >= 0.5 & (age < 44.5 | is.na(age)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00515749073) + case_when(creditAmount >= 4292 & (duration < 
#>     15.5 | is.na(duration)) ~ 0.00694834813, creditAmount >= 
#>     1340 & (creditAmount < 4292 | is.na(creditAmount)) & (duration < 
#>     15.5 | is.na(duration)) ~ -0.00945081189, (housing_own < 
#>     0.5 | is.na(housing_own)) & employment_X..7 >= 0.5 & duration >= 
#>     15.5 ~ 0.00498677837, housing_own >= 0.5 & employment_X..7 >= 
#>     0.5 & duration >= 15.5 ~ -0.00699839322, (job_skilled < 0.5 | 
#>     is.na(job_skilled)) & (creditAmount < 1340 | is.na(creditAmount)) & 
#>     (creditAmount < 4292 | is.na(creditAmount)) & (duration < 
#>     15.5 | is.na(duration)) ~ 0.0022883073, (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & employment_X4..X.7 >= 
#>     0.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>     duration >= 15.5 ~ -0.00110070908, (creditAmount < 894 | 
#>     is.na(creditAmount)) & job_skilled >= 0.5 & (creditAmount < 
#>     1340 | is.na(creditAmount)) & (creditAmount < 4292 | is.na(creditAmount)) & 
#>     (duration < 15.5 | is.na(duration)) ~ -0.0071131303, creditAmount >= 
#>     894 & job_skilled >= 0.5 & (creditAmount < 1340 | is.na(creditAmount)) & 
#>     (creditAmount < 4292 | is.na(creditAmount)) & (duration < 
#>     15.5 | is.na(duration)) ~ 0.000416326657, (creditAmount < 
#>     2642 | is.na(creditAmount)) & purpose_radio.tv >= 0.5 & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) & (employment_X..7 < 0.5 | 
#>     is.na(employment_X..7)) & duration >= 15.5 ~ 0.00918490719, 
#>     creditAmount >= 2642 & purpose_radio.tv >= 0.5 & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 15.5 ~ 0.00185735291, 
#>     (housing_own < 0.5 | is.na(housing_own)) & creditHistory_existing.paid >= 
#>         0.5 & employment_X4..X.7 >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 15.5 ~ -0.00855305512, 
#>     housing_own >= 0.5 & creditHistory_existing.paid >= 0.5 & 
#>         employment_X4..X.7 >= 0.5 & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & duration >= 15.5 ~ -0.00279949117, 
#>     propertyMagnitude_life.insurance >= 0.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & duration >= 
#>         15.5 ~ -0.00167856226, (installmentCommitment < 3.5 | 
#>         is.na(installmentCommitment)) & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 15.5 ~ 0.00675138831, 
#>     installmentCommitment >= 3.5 & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 15.5 ~ -0.00147032214, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         ownTelephone_yes >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 15.5 ~ -0.00512607442, 
#>     savingsStatus_X.100 >= 0.5 & ownTelephone_yes >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 15.5 ~ 0.0013645516, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         personalStatus_female.div.dep.mar >= 0.5 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & duration >= 15.5 ~ 0.00109925028, 
#>     installmentCommitment >= 2.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (employment_X..7 < 0.5 | is.na(employment_X..7)) & duration >= 
#>         15.5 ~ 0.011178175) + case_when(creditAmount >= 9288 & 
#>     (age < 34.5 | is.na(age)) ~ 0.00881486014, creditHistory_delayed.previously >= 
#>     0.5 & (creditAmount < 9288 | is.na(creditAmount)) & (age < 
#>     34.5 | is.na(age)) ~ 0.00712471781, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (job_skilled < 0.5 | 
#>     is.na(job_skilled)) & age >= 34.5 ~ 0.000640220824, checkingStatus_X.0 >= 
#>     0.5 & job_skilled >= 0.5 & age >= 34.5 ~ 0.00563903479, (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     9288 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) ~ 
#>     -0.00280783116, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     savingsStatus_X.100 >= 0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     age >= 34.5 ~ -0.00940299686, purpose_new.car >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & (job_skilled < 0.5 | is.na(job_skilled)) & age >= 34.5 ~ 
#>     -0.00130797026, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     job_skilled >= 0.5 & age >= 34.5 ~ 0.00405604206, (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & otherPaymentPlans_none >= 
#>     0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     job_skilled >= 0.5 & age >= 34.5 ~ -0.00145260629, checkingStatus_no.checking >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & job_skilled >= 0.5 & age >= 
#>     34.5 ~ -0.008007369, housing_own >= 0.5 & (age < 24.5 | is.na(age)) & 
#>     residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     9288 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) ~ 
#>     0.00412345771, personalStatus_female.div.dep.mar >= 0.5 & 
#>     age >= 24.5 & residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     9288 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) ~ 
#>     0.00978091452, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (housing_own < 0.5 | is.na(housing_own)) & (age < 24.5 | 
#>     is.na(age)) & residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     9288 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) ~ 
#>     -0.00792452227, installmentCommitment >= 2.5 & (housing_own < 
#>     0.5 | is.na(housing_own)) & (age < 24.5 | is.na(age)) & residenceSince >= 
#>     1.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>     (creditAmount < 9288 | is.na(creditAmount)) & (age < 34.5 | 
#>     is.na(age)) ~ -0.00270923227, (housing_own < 0.5 | is.na(housing_own)) & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     age >= 24.5 & residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     9288 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) ~ 
#>     0.00593600795, (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     housing_own >= 0.5 & (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & age >= 
#>     24.5 & residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     9288 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) ~ 
#>     -0.0034116176, purpose_new.car >= 0.5 & housing_own >= 0.5 & 
#>     (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     age >= 24.5 & residenceSince >= 1.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) & (creditAmount < 
#>     9288 | is.na(creditAmount)) & (age < 34.5 | is.na(age)) ~ 
#>     0.0045013628) + case_when(purpose_education >= 0.5 & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ 0.0087261321, savingsStatus_X100..X.500 >= 
#>     0.5 & propertyMagnitude_car >= 0.5 ~ 0.00311390194, age >= 
#>     52.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ 0.00749315415, (ownTelephone_none < 
#>     0.5 | is.na(ownTelephone_none)) & (residenceSince < 2.5 | 
#>     is.na(residenceSince)) & (savingsStatus_X100..X.500 < 0.5 | 
#>     is.na(savingsStatus_X100..X.500)) & propertyMagnitude_car >= 
#>     0.5 ~ -0.0040182909, ownTelephone_none >= 0.5 & (residenceSince < 
#>     2.5 | is.na(residenceSince)) & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & propertyMagnitude_car >= 
#>     0.5 ~ -0.0107683968, (age < 30.5 | is.na(age)) & residenceSince >= 
#>     2.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     propertyMagnitude_car >= 0.5 ~ -0.0055912137, purpose_business >= 
#>     0.5 & (age < 52.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ -0.00646117004, (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & (duration < 16.5 | is.na(duration)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ 0.00255278312, purpose_new.car >= 
#>     0.5 & (duration < 16.5 | is.na(duration)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) ~ 
#>     -0.00509071117, (propertyMagnitude_life.insurance < 0.5 | 
#>     is.na(propertyMagnitude_life.insurance)) & duration >= 16.5 & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & (purpose_education < 
#>     0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ -0.00768630207, propertyMagnitude_life.insurance >= 
#>     0.5 & duration >= 16.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & (purpose_education < 0.5 | is.na(purpose_education)) & 
#>     (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) ~ 
#>     -0.00195777416, (creditAmount < 2424 | is.na(creditAmount)) & 
#>     age >= 30.5 & residenceSince >= 2.5 & (savingsStatus_X100..X.500 < 
#>     0.5 | is.na(savingsStatus_X100..X.500)) & propertyMagnitude_car >= 
#>     0.5 ~ -0.00205311854, creditAmount >= 2424 & age >= 30.5 & 
#>     residenceSince >= 2.5 & (savingsStatus_X100..X.500 < 0.5 | 
#>     is.na(savingsStatus_X100..X.500)) & propertyMagnitude_car >= 
#>     0.5 ~ 0.00104280596, personalStatus_male.mar.wid >= 0.5 & 
#>     (age < 34.5 | is.na(age)) & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (age < 52.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ -0.0027374397, (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) & age >= 34.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & (age < 52.5 | is.na(age)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ -0.00619288534, checkingStatus_X.0 >= 
#>     0.5 & age >= 34.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (age < 52.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ -0.000200697788, (creditAmount < 
#>     2399.5 | is.na(creditAmount)) & (personalStatus_male.mar.wid < 
#>     0.5 | is.na(personalStatus_male.mar.wid)) & (age < 34.5 | 
#>     is.na(age)) & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (age < 52.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ 0.00764281675, creditAmount >= 
#>     2399.5 & (personalStatus_male.mar.wid < 0.5 | is.na(personalStatus_male.mar.wid)) & 
#>     (age < 34.5 | is.na(age)) & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     (age < 52.5 | is.na(age)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     (purpose_education < 0.5 | is.na(purpose_education)) & (propertyMagnitude_car < 
#>     0.5 | is.na(propertyMagnitude_car)) ~ 0.00127486221) + case_when(housing_rent >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     -0.000690730929, (creditAmount < 4367.5 | is.na(creditAmount)) & 
#>     creditHistory_delayed.previously >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00460449653, creditAmount >= 4367.5 & creditHistory_delayed.previously >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ -0.000245967938, 
#>     personalStatus_male.single >= 0.5 & purpose_radio.tv >= 0.5 & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0026617304, (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (creditAmount < 1875.5 | is.na(creditAmount)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ 3.44110522e-05, checkingStatus_no.checking >= 0.5 & 
#>         (creditAmount < 1875.5 | is.na(creditAmount)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 ~ -0.0022369253, (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & creditAmount >= 
#>         1875.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.0031989133, personalStatus_male.single >= 0.5 & creditAmount >= 
#>         1875.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>         creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>         -0.0103950426, (age < 26 | is.na(age)) & job_unskilled.resident >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000749736384, age >= 26 & job_unskilled.resident >= 
#>         0.5 & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0106067583, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         purpose_radio.tv >= 0.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000131009117, installmentCommitment >= 3.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & purpose_radio.tv >= 
#>         0.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00830134097, age >= 38 & creditAmount >= 3893.5 & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00892290194, (duration < 13.5 | is.na(duration)) & 
#>         (creditAmount < 1386 | is.na(creditAmount)) & (creditAmount < 
#>         3893.5 | is.na(creditAmount)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000348575966, duration >= 13.5 & (creditAmount < 1386 | 
#>         is.na(creditAmount)) & (creditAmount < 3893.5 | is.na(creditAmount)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00734245451, creditAmount >= 3034 & creditAmount >= 
#>         1386 & (creditAmount < 3893.5 | is.na(creditAmount)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.000632785028, (creditAmount < 6984.5 | is.na(creditAmount)) & 
#>         (age < 38 | is.na(age)) & creditAmount >= 3893.5 & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00341784256, creditAmount >= 6984.5 & (age < 38 | is.na(age)) & 
#>         creditAmount >= 3893.5 & (job_unskilled.resident < 0.5 | 
#>         is.na(job_unskilled.resident)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.0025497165, (personalStatus_female.div.dep.mar < 0.5 | 
#>         is.na(personalStatus_female.div.dep.mar)) & (creditAmount < 
#>         3034 | is.na(creditAmount)) & creditAmount >= 1386 & 
#>         (creditAmount < 3893.5 | is.na(creditAmount)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00865117274, personalStatus_female.div.dep.mar >= 
#>         0.5 & (creditAmount < 3034 | is.na(creditAmount)) & creditAmount >= 
#>         1386 & (creditAmount < 3893.5 | is.na(creditAmount)) & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         4.05118844e-05) + case_when(creditAmount >= 9569 & (age < 
#>     32.5 | is.na(age)) ~ 0.00559412781, otherParties_guarantor >= 
#>     0.5 & age >= 32.5 ~ -0.00542645995, (existingCredits < 1.5 | 
#>     is.na(existingCredits)) & personalStatus_male.single >= 0.5 & 
#>     (creditAmount < 9569 | is.na(creditAmount)) & (age < 32.5 | 
#>     is.na(age)) ~ -0.00778326625, creditHistory_existing.paid >= 
#>     0.5 & numDependents >= 1.5 & (otherParties_guarantor < 0.5 | 
#>     is.na(otherParties_guarantor)) & age >= 32.5 ~ 0.00919737667, 
#>     housing_rent >= 0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) & (age < 
#>         32.5 | is.na(age)) ~ 0.00578010175, (duration < 19.5 | 
#>         is.na(duration)) & checkingStatus_X.0 >= 0.5 & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         9569 | is.na(creditAmount)) & (age < 32.5 | is.na(age)) ~ 
#>         -0.00548019353, duration >= 19.5 & checkingStatus_X.0 >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) & (age < 
#>         32.5 | is.na(age)) ~ -0.000622914522, (duration < 25.5 | 
#>         is.na(duration)) & existingCredits >= 1.5 & personalStatus_male.single >= 
#>         0.5 & (creditAmount < 9569 | is.na(creditAmount)) & (age < 
#>         32.5 | is.na(age)) ~ -0.00407098327, duration >= 25.5 & 
#>         existingCredits >= 1.5 & personalStatus_male.single >= 
#>         0.5 & (creditAmount < 9569 | is.na(creditAmount)) & (age < 
#>         32.5 | is.na(age)) ~ 0.00181484991, employment_X1..X.4 >= 
#>         0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 32.5 ~ 
#>         0.00722766249, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 32.5 ~ 
#>         0.00131280045, existingCredits >= 1.5 & propertyMagnitude_life.insurance >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         age >= 32.5 ~ -0.00918963272, (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) & (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & numDependents >= 
#>         1.5 & (otherParties_guarantor < 0.5 | is.na(otherParties_guarantor)) & 
#>         age >= 32.5 ~ 0.00611505425, ownTelephone_yes >= 0.5 & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         numDependents >= 1.5 & (otherParties_guarantor < 0.5 | 
#>         is.na(otherParties_guarantor)) & age >= 32.5 ~ -0.00248543825, 
#>     (duration < 16.5 | is.na(duration)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (creditAmount < 9569 | is.na(creditAmount)) & (age < 
#>         32.5 | is.na(age)) ~ -0.00346700335, duration >= 16.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & (creditAmount < 
#>         9569 | is.na(creditAmount)) & (age < 32.5 | is.na(age)) ~ 
#>         0.00035772167, existingCredits >= 1.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 32.5 ~ 
#>         0.00495806895, checkingStatus_X.0 >= 0.5 & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 32.5 ~ 
#>         0.000250603916, (creditAmount < 3408 | is.na(creditAmount)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (existingCredits < 1.5 | is.na(existingCredits)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 32.5 ~ 
#>         -0.00783402752, creditAmount >= 3408 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (otherParties_guarantor < 
#>         0.5 | is.na(otherParties_guarantor)) & age >= 32.5 ~ 
#>         0.00167012156) + case_when(creditAmount >= 10918 ~ 0.00769839995, 
#>     (duration < 8.5 | is.na(duration)) & (creditAmount < 10918 | 
#>         is.na(creditAmount)) ~ -0.00714871334, (duration < 9.5 | 
#>         is.na(duration)) & duration >= 8.5 & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ 0.00639125612, checkingStatus_X..200 >= 
#>         0.5 & duration >= 9.5 & duration >= 8.5 & (creditAmount < 
#>         10918 | is.na(creditAmount)) ~ -0.00636138255, purpose_used.car >= 
#>         0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 9.5 & duration >= 8.5 & (creditAmount < 10918 | 
#>         is.na(creditAmount)) ~ -0.0052405512, (residenceSince < 
#>         1.5 | is.na(residenceSince)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 9.5 & duration >= 8.5 & (creditAmount < 10918 | 
#>         is.na(creditAmount)) ~ -0.00822646637, (creditAmount < 
#>         7113.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & duration >= 9.5 & 
#>         duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00368374726, creditAmount >= 7113.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & duration >= 9.5 & 
#>         duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         -0.0044088494, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         purpose_furniture.equipment >= 0.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (checkingStatus_X..200 < 
#>         0.5 | is.na(checkingStatus_X..200)) & duration >= 9.5 & 
#>         duration >= 8.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>         0.00393843325, employment_X1..X.4 >= 0.5 & purpose_furniture.equipment >= 
#>         0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 9.5 & duration >= 8.5 & (creditAmount < 10918 | 
#>         is.na(creditAmount)) ~ -0.00991708133, (age < 24.5 | 
#>         is.na(age)) & residenceSince >= 1.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 9.5 & duration >= 8.5 & (creditAmount < 10918 | 
#>         is.na(creditAmount)) ~ -0.00386740523, age >= 24.5 & 
#>         residenceSince >= 1.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>         duration >= 9.5 & duration >= 8.5 & (creditAmount < 10918 | 
#>         is.na(creditAmount)) ~ 0.00208209758) + case_when((residenceSince < 
#>     1.5 | is.na(residenceSince)) & checkingStatus_X.0 >= 0.5 ~ 
#>     -0.00413317932, age >= 44.5 & (otherPaymentPlans_none < 0.5 | 
#>     is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 0.5 | 
#>     is.na(checkingStatus_X.0)) ~ -0.00616711844, purpose_furniture.equipment >= 
#>     0.5 & otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ 0.00585501781, creditAmount >= 
#>     5112.5 & (age < 44.5 | is.na(age)) & (otherPaymentPlans_none < 
#>     0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>     0.5 | is.na(checkingStatus_X.0)) ~ -0.00306670461, (age < 
#>     28.5 | is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     residenceSince >= 1.5 & checkingStatus_X.0 >= 0.5 ~ -0.00760629121, 
#>     age >= 28.5 & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         residenceSince >= 1.5 & checkingStatus_X.0 >= 0.5 ~ 0.00199297839, 
#>     (age < 27.5 | is.na(age)) & installmentCommitment >= 2.5 & 
#>         residenceSince >= 1.5 & checkingStatus_X.0 >= 0.5 ~ 0.00909756962, 
#>     checkingStatus_X0..X.200 >= 0.5 & (creditAmount < 5112.5 | 
#>         is.na(creditAmount)) & (age < 44.5 | is.na(age)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00239298958, (creditAmount < 
#>         1296 | is.na(creditAmount)) & (age < 28.5 | is.na(age)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00719111599, savingsStatus_no.known.savings >= 
#>         0.5 & age >= 28.5 & (purpose_furniture.equipment < 0.5 | 
#>         is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.000734873756, propertyMagnitude_no.known.property >= 
#>         0.5 & age >= 27.5 & installmentCommitment >= 2.5 & residenceSince >= 
#>         1.5 & checkingStatus_X.0 >= 0.5 ~ 0.00690261694, (age < 
#>         35 | is.na(age)) & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) & (creditAmount < 5112.5 | 
#>         is.na(creditAmount)) & (age < 44.5 | is.na(age)) & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00121021399, age >= 
#>         35 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (creditAmount < 5112.5 | is.na(creditAmount)) & (age < 
#>         44.5 | is.na(age)) & (otherPaymentPlans_none < 0.5 | 
#>         is.na(otherPaymentPlans_none)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.011339264, (creditAmount < 
#>         2591.5 | is.na(creditAmount)) & creditAmount >= 1296 & 
#>         (age < 28.5 | is.na(age)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         0.00754995923, (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & age >= 
#>         28.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00921798591, propertyMagnitude_real.estate >= 
#>         0.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         age >= 28.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ -0.00128731935, residenceSince >= 
#>         3.5 & (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         age >= 27.5 & installmentCommitment >= 2.5 & residenceSince >= 
#>         1.5 & checkingStatus_X.0 >= 0.5 ~ -0.00352222496, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 2591.5 & 
#>         creditAmount >= 1296 & (age < 28.5 | is.na(age)) & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & otherPaymentPlans_none >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) ~ 
#>         -0.00558578083, existingCredits >= 1.5 & creditAmount >= 
#>         2591.5 & creditAmount >= 1296 & (age < 28.5 | is.na(age)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         otherPaymentPlans_none >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) ~ 0.00318812812, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & age >= 
#>         27.5 & installmentCommitment >= 2.5 & residenceSince >= 
#>         1.5 & checkingStatus_X.0 >= 0.5 ~ 0.00619705068, employment_X1..X.4 >= 
#>         0.5 & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         age >= 27.5 & installmentCommitment >= 2.5 & residenceSince >= 
#>         1.5 & checkingStatus_X.0 >= 0.5 ~ 0.00146644318) + case_when((age < 
#>     22.5 | is.na(age)) & (housing_own < 0.5 | is.na(housing_own)) & 
#>     (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) ~ -0.0019000977, 
#>     (duration < 8.5 | is.na(duration)) & housing_own >= 0.5 & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) ~ 
#>         -0.00541358301, duration >= 30 & (age < 28.5 | is.na(age)) & 
#>         ownTelephone_yes >= 0.5 ~ 0.00904529635, (age < 32.5 | 
#>         is.na(age)) & age >= 28.5 & ownTelephone_yes >= 0.5 ~ 
#>         -0.00941619836, (creditAmount < 2814.5 | is.na(creditAmount)) & 
#>         age >= 22.5 & (housing_own < 0.5 | is.na(housing_own)) & 
#>         (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) ~ 
#>         0.00855320506, creditAmount >= 2814.5 & age >= 22.5 & 
#>         (housing_own < 0.5 | is.na(housing_own)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.0022589392, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (duration < 
#>         30 | is.na(duration)) & (age < 28.5 | is.na(age)) & ownTelephone_yes >= 
#>         0.5 ~ 0.00187188329, personalStatus_female.div.dep.mar >= 
#>         0.5 & (duration < 30 | is.na(duration)) & (age < 28.5 | 
#>         is.na(age)) & ownTelephone_yes >= 0.5 ~ -0.00559432851, 
#>     (age < 27.5 | is.na(age)) & (creditAmount < 1387 | is.na(creditAmount)) & 
#>         duration >= 8.5 & housing_own >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.000446326914, (duration < 
#>         16.5 | is.na(duration)) & creditAmount >= 1387 & duration >= 
#>         8.5 & housing_own >= 0.5 & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) ~ -0.00903928652, (creditAmount < 
#>         3919 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & age >= 32.5 & 
#>         age >= 28.5 & ownTelephone_yes >= 0.5 ~ -0.00605302304, 
#>     creditAmount >= 3919 & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & age >= 32.5 & age >= 
#>         28.5 & ownTelephone_yes >= 0.5 ~ 0.00445772894, (housing_for.free < 
#>         0.5 | is.na(housing_for.free)) & personalStatus_male.single >= 
#>         0.5 & age >= 32.5 & age >= 28.5 & ownTelephone_yes >= 
#>         0.5 ~ -0.00796098169, housing_for.free >= 0.5 & personalStatus_male.single >= 
#>         0.5 & age >= 32.5 & age >= 28.5 & ownTelephone_yes >= 
#>         0.5 ~ -0.000973514398, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         age >= 27.5 & (creditAmount < 1387 | is.na(creditAmount)) & 
#>         duration >= 8.5 & housing_own >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.0121460827, existingCredits >= 
#>         1.5 & age >= 27.5 & (creditAmount < 1387 | is.na(creditAmount)) & 
#>         duration >= 8.5 & housing_own >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) ~ 0.000750917417, personalStatus_female.div.dep.mar >= 
#>         0.5 & duration >= 16.5 & creditAmount >= 1387 & duration >= 
#>         8.5 & housing_own >= 0.5 & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) ~ -0.00664138421, creditAmount >= 
#>         4167 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         duration >= 16.5 & creditAmount >= 1387 & duration >= 
#>         8.5 & housing_own >= 0.5 & (ownTelephone_yes < 0.5 | 
#>         is.na(ownTelephone_yes)) ~ 0.00112573081, (creditAmount < 
#>         2759 | is.na(creditAmount)) & (creditAmount < 4167 | 
#>         is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & duration >= 
#>         16.5 & creditAmount >= 1387 & duration >= 8.5 & housing_own >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) ~ 
#>         0.00263334019, creditAmount >= 2759 & (creditAmount < 
#>         4167 | is.na(creditAmount)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & duration >= 
#>         16.5 & creditAmount >= 1387 & duration >= 8.5 & housing_own >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) ~ 
#>         0.00848808046) + case_when((installmentCommitment < 2.5 | 
#>     is.na(installmentCommitment)) & creditHistory_delayed.previously >= 
#>     0.5 ~ -0.00578542333, installmentCommitment >= 2.5 & creditHistory_delayed.previously >= 
#>     0.5 ~ -0.00144600775, (personalStatus_male.single < 0.5 | 
#>     is.na(personalStatus_male.single)) & age >= 43.5 & (creditHistory_delayed.previously < 
#>     0.5 | is.na(creditHistory_delayed.previously)) ~ -0.00731079094, 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         propertyMagnitude_no.known.property >= 0.5 & (age < 43.5 | 
#>         is.na(age)) & (creditHistory_delayed.previously < 0.5 | 
#>         is.na(creditHistory_delayed.previously)) ~ 0.00893229526, 
#>     propertyMagnitude_no.known.property >= 0.5 & personalStatus_male.single >= 
#>         0.5 & age >= 43.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ -0.00298972335, 
#>     purpose_used.car >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>         is.na(otherPaymentPlans_bank)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ -0.00644124812, 
#>     (age < 31.5 | is.na(age)) & otherPaymentPlans_bank >= 0.5 & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.00167084881, 
#>     age >= 31.5 & otherPaymentPlans_bank >= 0.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.00809361693, 
#>     (age < 35.5 | is.na(age)) & savingsStatus_X.100 >= 0.5 & 
#>         propertyMagnitude_no.known.property >= 0.5 & (age < 43.5 | 
#>         is.na(age)) & (creditHistory_delayed.previously < 0.5 | 
#>         is.na(creditHistory_delayed.previously)) ~ 0.0011720293, 
#>     age >= 35.5 & savingsStatus_X.100 >= 0.5 & propertyMagnitude_no.known.property >= 
#>         0.5 & (age < 43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.00348610897, 
#>     (creditAmount < 2234.5 | is.na(creditAmount)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & personalStatus_male.single >= 
#>         0.5 & age >= 43.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ -0.00191882125, 
#>     creditAmount >= 2234.5 & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & personalStatus_male.single >= 
#>         0.5 & age >= 43.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.00563315256, 
#>     (duration < 16.5 | is.na(duration)) & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ -0.00712438859, 
#>     duration >= 16.5 & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.00327284425, 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         job_skilled >= 0.5 & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.0064693219, 
#>     creditHistory_critical.other.existing.credit >= 0.5 & job_skilled >= 
#>         0.5 & (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.000133048772, 
#>     (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (duration < 16.5 | is.na(duration)) & personalStatus_male.single >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ -0.00356800226, 
#>     installmentCommitment >= 3.5 & (duration < 16.5 | is.na(duration)) & 
#>         personalStatus_male.single >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & (age < 
#>         43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.00653018616, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         duration >= 16.5 & personalStatus_male.single >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ 0.0046149604, 
#>     installmentCommitment >= 2.5 & duration >= 16.5 & personalStatus_male.single >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (propertyMagnitude_no.known.property < 0.5 | is.na(propertyMagnitude_no.known.property)) & 
#>         (age < 43.5 | is.na(age)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) ~ -0.00738981459) + 
#>     case_when(creditHistory_all.paid >= 0.5 ~ 0.00842593797, 
#>         duration >= 19 & savingsStatus_no.known.savings >= 0.5 & 
#>             (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00727682281, propertyMagnitude_car >= 0.5 & (age < 
#>             23.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00118079374, 
#>         (creditAmount < 1722 | is.na(creditAmount)) & (duration < 
#>             19 | is.na(duration)) & savingsStatus_no.known.savings >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             -0.00101993815, creditAmount >= 1722 & (duration < 
#>             19 | is.na(duration)) & savingsStatus_no.known.savings >= 
#>             0.5 & (creditHistory_all.paid < 0.5 | is.na(creditHistory_all.paid)) ~ 
#>             0.00288485154, (duration < 14 | is.na(duration)) & 
#>             (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (age < 23.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00235509267, 
#>         duration >= 14 & (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>             (age < 23.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00940005668, 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (creditAmount < 
#>             1223.5 | is.na(creditAmount)) & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.000377572578, 
#>         residenceSince >= 3.5 & (creditAmount < 1223.5 | is.na(creditAmount)) & 
#>             age >= 23.5 & (savingsStatus_no.known.savings < 0.5 | 
#>             is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00747356797, 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>             creditAmount >= 1223.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00632393826, 
#>         creditHistory_existing.paid >= 0.5 & (otherPaymentPlans_none < 
#>             0.5 | is.na(otherPaymentPlans_none)) & creditAmount >= 
#>             1223.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00262599811, 
#>         (creditAmount < 1532.5 | is.na(creditAmount)) & otherPaymentPlans_none >= 
#>             0.5 & creditAmount >= 1223.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00844292808, 
#>         (age < 41 | is.na(age)) & (creditAmount < 4351.5 | is.na(creditAmount)) & 
#>             creditAmount >= 1532.5 & otherPaymentPlans_none >= 
#>             0.5 & creditAmount >= 1223.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.0012244751, 
#>         age >= 41 & (creditAmount < 4351.5 | is.na(creditAmount)) & 
#>             creditAmount >= 1532.5 & otherPaymentPlans_none >= 
#>             0.5 & creditAmount >= 1223.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00450842502, 
#>         (age < 29.5 | is.na(age)) & creditAmount >= 4351.5 & 
#>             creditAmount >= 1532.5 & otherPaymentPlans_none >= 
#>             0.5 & creditAmount >= 1223.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ 0.00423236936, 
#>         age >= 29.5 & creditAmount >= 4351.5 & creditAmount >= 
#>             1532.5 & otherPaymentPlans_none >= 0.5 & creditAmount >= 
#>             1223.5 & age >= 23.5 & (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_all.paid < 
#>             0.5 | is.na(creditHistory_all.paid)) ~ -0.00762606645) + 
#>     case_when(purpose_education >= 0.5 ~ 0.00919471029, otherParties_co.applicant >= 
#>         0.5 & (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.0067479983, (creditAmount < 887 | is.na(creditAmount)) & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00848383643, (propertyMagnitude_no.known.property < 
#>         0.5 | is.na(propertyMagnitude_no.known.property)) & purpose_used.car >= 
#>         0.5 & creditAmount >= 887 & (otherParties_co.applicant < 
#>         0.5 | is.na(otherParties_co.applicant)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00858464371, propertyMagnitude_no.known.property >= 
#>         0.5 & purpose_used.car >= 0.5 & creditAmount >= 887 & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00324273901, otherPaymentPlans_stores >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 887 & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.00848177075, employment_X..7 >= 0.5 & otherPaymentPlans_bank >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 887 & (otherParties_co.applicant < 0.5 | 
#>         is.na(otherParties_co.applicant)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00637743529, creditAmount >= 
#>         6719.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 887 & (otherParties_co.applicant < 0.5 | 
#>         is.na(otherParties_co.applicant)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00353558478, (creditAmount < 
#>         2160.5 | is.na(creditAmount)) & (employment_X..7 < 0.5 | 
#>         is.na(employment_X..7)) & otherPaymentPlans_bank >= 0.5 & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         creditAmount >= 887 & (otherParties_co.applicant < 0.5 | 
#>         is.na(otherParties_co.applicant)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ 0.00246987282, creditAmount >= 
#>         2160.5 & (employment_X..7 < 0.5 | is.na(employment_X..7)) & 
#>         otherPaymentPlans_bank >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) & creditAmount >= 887 & (otherParties_co.applicant < 
#>         0.5 | is.na(otherParties_co.applicant)) & (purpose_education < 
#>         0.5 | is.na(purpose_education)) ~ -0.00220140535, (personalStatus_male.mar.wid < 
#>         0.5 | is.na(personalStatus_male.mar.wid)) & (creditAmount < 
#>         6719.5 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 887 & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         -0.0023848291, personalStatus_male.mar.wid >= 0.5 & (creditAmount < 
#>         6719.5 | is.na(creditAmount)) & (otherPaymentPlans_stores < 
#>         0.5 | is.na(otherPaymentPlans_stores)) & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & creditAmount >= 887 & 
#>         (otherParties_co.applicant < 0.5 | is.na(otherParties_co.applicant)) & 
#>         (purpose_education < 0.5 | is.na(purpose_education)) ~ 
#>         0.00472937385) + case_when((creditAmount < 6620.5 | is.na(creditAmount)) & 
#>     duration >= 46.5 ~ 0.00892044511, creditAmount >= 6620.5 & 
#>     duration >= 46.5 ~ 0.00249897409, propertyMagnitude_real.estate >= 
#>     0.5 & (residenceSince < 1.5 | is.na(residenceSince)) & (duration < 
#>     46.5 | is.na(duration)) ~ 0.00803004857, (duration < 16.5 | 
#>     is.na(duration)) & (propertyMagnitude_real.estate < 0.5 | 
#>     is.na(propertyMagnitude_real.estate)) & (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (duration < 46.5 | is.na(duration)) ~ 
#>     -0.00340201124, duration >= 16.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (residenceSince < 
#>     1.5 | is.na(residenceSince)) & (duration < 46.5 | is.na(duration)) ~ 
#>     0.00503632706, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (creditAmount < 1310 | is.na(creditAmount)) & residenceSince >= 
#>     1.5 & (duration < 46.5 | is.na(duration)) ~ 0.00195842073, 
#>     purpose_radio.tv >= 0.5 & (personalStatus_male.single < 0.5 | 
#>         is.na(personalStatus_male.single)) & (creditAmount < 
#>         1310 | is.na(creditAmount)) & residenceSince >= 1.5 & 
#>         (duration < 46.5 | is.na(duration)) ~ -0.00725509273, 
#>     (creditAmount < 760 | is.na(creditAmount)) & personalStatus_male.single >= 
#>         0.5 & (creditAmount < 1310 | is.na(creditAmount)) & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ 0.00245769112, 
#>     creditAmount >= 760 & personalStatus_male.single >= 0.5 & 
#>         (creditAmount < 1310 | is.na(creditAmount)) & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ 0.00837937184, 
#>     (creditAmount < 2501.5 | is.na(creditAmount)) & (age < 23.5 | 
#>         is.na(age)) & creditAmount >= 1310 & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ 0.000856201106, 
#>     creditAmount >= 2501.5 & (age < 23.5 | is.na(age)) & creditAmount >= 
#>         1310 & residenceSince >= 1.5 & (duration < 46.5 | is.na(duration)) ~ 
#>         0.00421283906, creditHistory_existing.paid >= 0.5 & (otherPaymentPlans_none < 
#>         0.5 | is.na(otherPaymentPlans_none)) & age >= 23.5 & 
#>         creditAmount >= 1310 & residenceSince >= 1.5 & (duration < 
#>         46.5 | is.na(duration)) ~ -0.0030966159, (age < 33.5 | 
#>         is.na(age)) & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         age >= 23.5 & creditAmount >= 1310 & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ 0.00178328122, 
#>     age >= 33.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>         age >= 23.5 & creditAmount >= 1310 & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ 0.00825356599, 
#>     propertyMagnitude_life.insurance >= 0.5 & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 
#>         0.5 & age >= 23.5 & creditAmount >= 1310 & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ -0.00297641964, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & employment_X1..X.4 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & age >= 23.5 & creditAmount >= 
#>         1310 & residenceSince >= 1.5 & (duration < 46.5 | is.na(duration)) ~ 
#>         0.00472083967, (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         otherPaymentPlans_none >= 0.5 & age >= 23.5 & creditAmount >= 
#>         1310 & residenceSince >= 1.5 & (duration < 46.5 | is.na(duration)) ~ 
#>         -0.00971993431, checkingStatus_X0..X.200 >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & otherPaymentPlans_none >= 
#>         0.5 & age >= 23.5 & creditAmount >= 1310 & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ -0.00410999777, 
#>     (duration < 16.5 | is.na(duration)) & ownTelephone_none >= 
#>         0.5 & employment_X1..X.4 >= 0.5 & otherPaymentPlans_none >= 
#>         0.5 & age >= 23.5 & creditAmount >= 1310 & residenceSince >= 
#>         1.5 & (duration < 46.5 | is.na(duration)) ~ -0.00916439202, 
#>     duration >= 16.5 & ownTelephone_none >= 0.5 & employment_X1..X.4 >= 
#>         0.5 & otherPaymentPlans_none >= 0.5 & age >= 23.5 & creditAmount >= 
#>         1310 & residenceSince >= 1.5 & (duration < 46.5 | is.na(duration)) ~ 
#>         -0.000767277321) + case_when((age < 33 | is.na(age)) & 
#>     (duration < 8.5 | is.na(duration)) ~ -0.000733690977, age >= 
#>     33 & (duration < 8.5 | is.na(duration)) ~ -0.00698768254, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 8.5 ~ -0.00504062232, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & savingsStatus_no.known.savings >= 
#>         0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.000453639455, personalStatus_male.single >= 
#>         0.5 & savingsStatus_no.known.savings >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ -0.00598505186, (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & residenceSince >= 
#>         2.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 8.5 ~ 0.00204412313, employment_X1..X.4 >= 
#>         0.5 & propertyMagnitude_real.estate >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ -0.0043264362, (duration < 19.5 | is.na(duration)) & 
#>         personalStatus_male.single >= 0.5 & residenceSince >= 
#>         2.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 8.5 ~ 0.00355703314, duration >= 19.5 & 
#>         personalStatus_male.single >= 0.5 & residenceSince >= 
#>         2.5 & creditHistory_critical.other.existing.credit >= 
#>         0.5 & duration >= 8.5 ~ -0.00727964845, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (duration < 13 | 
#>         is.na(duration)) & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.00429912983, installmentCommitment >= 
#>         3.5 & (duration < 13 | is.na(duration)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.00967061333, (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ -0.00225002086, job_skilled >= 0.5 & 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>         propertyMagnitude_real.estate >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.00630547013, creditAmount >= 3886 & 
#>         (duration < 33 | is.na(duration)) & duration >= 13 & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.00757349283, (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & duration >= 33 & 
#>         duration >= 13 & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.00272523751, installmentCommitment >= 
#>         2.5 & duration >= 33 & duration >= 13 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.00771991955, (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 3886 | 
#>         is.na(creditAmount)) & (duration < 33 | is.na(duration)) & 
#>         duration >= 13 & (propertyMagnitude_real.estate < 0.5 | 
#>         is.na(propertyMagnitude_real.estate)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ 0.00048510998, ownTelephone_yes >= 
#>         0.5 & (creditAmount < 3886 | is.na(creditAmount)) & (duration < 
#>         33 | is.na(duration)) & duration >= 13 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>         duration >= 8.5 ~ -0.00690923864) + case_when((creditAmount < 
#>     653 | is.na(creditAmount)) & (creditAmount < 979.5 | is.na(creditAmount)) ~ 
#>     -0.00292615429, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     creditAmount >= 653 & (creditAmount < 979.5 | is.na(creditAmount)) ~ 
#>     0.00226497347, propertyMagnitude_car >= 0.5 & creditAmount >= 
#>     653 & (creditAmount < 979.5 | is.na(creditAmount)) ~ 0.00682720402, 
#>     checkingStatus_X0..X.200 >= 0.5 & housing_rent >= 0.5 & creditAmount >= 
#>         979.5 ~ 0.00610268023, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>         housing_rent >= 0.5 & creditAmount >= 979.5 ~ -0.00720768422, 
#>     savingsStatus_no.known.savings >= 0.5 & (creditAmount < 6686.5 | 
#>         is.na(creditAmount)) & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         979.5 ~ 0.00614377763, (duration < 28.5 | is.na(duration)) & 
#>         creditAmount >= 6686.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         979.5 ~ 0.00688252412, duration >= 28.5 & creditAmount >= 
#>         6686.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         979.5 ~ -0.00221540546, job_skilled >= 0.5 & (creditAmount < 
#>         2993.5 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         979.5 ~ -0.00883457717, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         creditAmount >= 2993.5 & ownTelephone_none >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditAmount >= 979.5 ~ 
#>         -0.00872690044, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         savingsStatus_X.100 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & housing_rent >= 
#>         0.5 & creditAmount >= 979.5 ~ -0.0041781771, residenceSince >= 
#>         3.5 & savingsStatus_X.100 >= 0.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) & housing_rent >= 
#>         0.5 & creditAmount >= 979.5 ~ 0.0070082373, (age < 39 | 
#>         is.na(age)) & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & (creditAmount < 
#>         6686.5 | is.na(creditAmount)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & creditAmount >= 979.5 ~ -0.00714014936, 
#>     age >= 39 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         (creditAmount < 6686.5 | is.na(creditAmount)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & creditAmount >= 979.5 ~ -0.00046023773, 
#>     (age < 36.5 | is.na(age)) & (job_skilled < 0.5 | is.na(job_skilled)) & 
#>         (creditAmount < 2993.5 | is.na(creditAmount)) & ownTelephone_none >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         979.5 ~ -0.00555113936, age >= 36.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & (creditAmount < 2993.5 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & creditAmount >= 979.5 ~ 
#>         0.00059956871, residenceSince >= 3.5 & job_skilled >= 
#>         0.5 & creditAmount >= 2993.5 & ownTelephone_none >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         979.5 ~ 0.00434057089, (existingCredits < 1.5 | is.na(existingCredits)) & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & job_skilled >= 
#>         0.5 & creditAmount >= 2993.5 & ownTelephone_none >= 0.5 & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & creditAmount >= 
#>         979.5 ~ -0.00525039295, existingCredits >= 1.5 & (residenceSince < 
#>         3.5 | is.na(residenceSince)) & job_skilled >= 0.5 & creditAmount >= 
#>         2993.5 & ownTelephone_none >= 0.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & creditAmount >= 979.5 ~ 0.00164935493) + 
#>     case_when((personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         purpose_used.car >= 0.5 ~ -0.000566681731, personalStatus_male.single >= 
#>         0.5 & purpose_used.car >= 0.5 ~ -0.00728811836, creditHistory_all.paid >= 
#>         0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00698951958, propertyMagnitude_real.estate >= 0.5 & 
#>         employment_X4..X.7 >= 0.5 & (purpose_used.car < 0.5 | 
#>         is.na(purpose_used.car)) ~ 0.00266040326, (creditAmount < 
#>         3678 | is.na(creditAmount)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & employment_X4..X.7 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00620478857, creditAmount >= 3678 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & employment_X4..X.7 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         6.16231337e-05, ownTelephone_yes >= 0.5 & (creditAmount < 
#>         1482 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00661392137, (age < 
#>         23.5 | is.na(age)) & creditAmount >= 1482 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.0088950498, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 1482 | 
#>         is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00502101332, (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & creditHistory_existing.paid >= 
#>         0.5 & (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (creditAmount < 1482 | is.na(creditAmount)) & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00042551104, personalStatus_female.div.dep.mar >= 
#>         0.5 & creditHistory_existing.paid >= 0.5 & (ownTelephone_yes < 
#>         0.5 | is.na(ownTelephone_yes)) & (creditAmount < 1482 | 
#>         is.na(creditAmount)) & (creditHistory_all.paid < 0.5 | 
#>         is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00648317579, (duration < 
#>         13.5 | is.na(duration)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & age >= 
#>         23.5 & creditAmount >= 1482 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.000989687396, (employment_X1..X.4 < 
#>         0.5 | is.na(employment_X1..X.4)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & age >= 23.5 & creditAmount >= 1482 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.00557372253, employment_X1..X.4 >= 
#>         0.5 & personalStatus_female.div.dep.mar >= 0.5 & age >= 
#>         23.5 & creditAmount >= 1482 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00399885839, (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & duration >= 
#>         13.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         age >= 23.5 & creditAmount >= 1482 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00520140771, purpose_furniture.equipment >= 
#>         0.5 & duration >= 13.5 & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & age >= 
#>         23.5 & creditAmount >= 1482 & (creditHistory_all.paid < 
#>         0.5 | is.na(creditHistory_all.paid)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ -0.0015415115) + case_when(checkingStatus_X..200 >= 
#>     0.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00689160405, (age < 27.5 | is.na(age)) & employment_X4..X.7 >= 
#>     0.5 ~ -0.000915493409, age >= 27.5 & employment_X4..X.7 >= 
#>     0.5 ~ -0.00743354857, creditAmount >= 10798.5 & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00767637184, (creditAmount < 
#>     1897 | is.na(creditAmount)) & purpose_furniture.equipment >= 
#>     0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.0018539622, (duration < 8 | is.na(duration)) & (creditAmount < 
#>     10798.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00586128701, (creditAmount < 
#>     3515.5 | is.na(creditAmount)) & creditAmount >= 1897 & purpose_furniture.equipment >= 
#>     0.5 & (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.0119978869, creditAmount >= 3515.5 & creditAmount >= 1897 & 
#>     purpose_furniture.equipment >= 0.5 & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.00176449621, (age < 
#>     27.5 | is.na(age)) & (duration < 22.5 | is.na(duration)) & 
#>     duration >= 8 & (creditAmount < 10798.5 | is.na(creditAmount)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.0020922171, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     age >= 27.5 & (duration < 22.5 | is.na(duration)) & duration >= 
#>     8 & (creditAmount < 10798.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ 0.0101882648, savingsStatus_X.100 >= 
#>     0.5 & age >= 27.5 & (duration < 22.5 | is.na(duration)) & 
#>     duration >= 8 & (creditAmount < 10798.5 | is.na(creditAmount)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.0019779061, (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & duration >= 
#>     22.5 & duration >= 8 & (creditAmount < 10798.5 | is.na(creditAmount)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00993184559, installmentCommitment >= 2.5 & (existingCredits < 
#>     1.5 | is.na(existingCredits)) & duration >= 22.5 & duration >= 
#>     8 & (creditAmount < 10798.5 | is.na(creditAmount)) & (purpose_furniture.equipment < 
#>     0.5 | is.na(purpose_furniture.equipment)) & (checkingStatus_X..200 < 
#>     0.5 | is.na(checkingStatus_X..200)) & (employment_X4..X.7 < 
#>     0.5 | is.na(employment_X4..X.7)) ~ -0.00021508144, (age < 
#>     39 | is.na(age)) & existingCredits >= 1.5 & duration >= 22.5 & 
#>     duration >= 8 & (creditAmount < 10798.5 | is.na(creditAmount)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     0.00445532845, age >= 39 & existingCredits >= 1.5 & duration >= 
#>     22.5 & duration >= 8 & (creditAmount < 10798.5 | is.na(creditAmount)) & 
#>     (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>     (checkingStatus_X..200 < 0.5 | is.na(checkingStatus_X..200)) & 
#>     (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) ~ 
#>     -0.00399229443) + case_when((creditAmount < 686.5 | is.na(creditAmount)) ~ 
#>     -0.0099245673, otherPaymentPlans_bank >= 0.5 & creditHistory_critical.other.existing.credit >= 
#>     0.5 & creditAmount >= 686.5 ~ 0.00351410802, employment_X1..X.4 >= 
#>     0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & creditAmount >= 
#>     686.5 ~ 0.000108482935, (duration < 9.5 | is.na(duration)) & 
#>     (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ 0.00931194052, (creditAmount < 995 | 
#>     is.na(creditAmount)) & propertyMagnitude_real.estate >= 0.5 & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ -0.00105778896, creditAmount >= 995 & 
#>     propertyMagnitude_real.estate >= 0.5 & (duration < 16.5 | 
#>     is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ -0.00642934116, (creditAmount < 2790 | 
#>     is.na(creditAmount)) & purpose_new.car >= 0.5 & duration >= 
#>     16.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & creditAmount >= 
#>     686.5 ~ 0.00374365551, creditAmount >= 2790 & purpose_new.car >= 
#>     0.5 & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ -0.00583120948, (duration < 29 | 
#>     is.na(duration)) & (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     creditHistory_critical.other.existing.credit >= 0.5 & creditAmount >= 
#>     686.5 ~ -0.00889861584, duration >= 29 & (employment_X1..X.4 < 
#>     0.5 | is.na(employment_X1..X.4)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 & creditAmount >= 686.5 ~ -0.00159895851, (residenceSince < 
#>     2.5 | is.na(residenceSince)) & duration >= 9.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ -0.00405298453, housing_rent >= 0.5 & 
#>     (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) & duration >= 
#>     16.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) & creditAmount >= 
#>     686.5 ~ -9.1105896e-05, housing_rent >= 0.5 & checkingStatus_X0..X.200 >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ 0.00479945214, (creditAmount < 1387.5 | 
#>     is.na(creditAmount)) & residenceSince >= 2.5 & duration >= 
#>     9.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>     (duration < 16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ 0.00514116045, creditAmount >= 1387.5 & 
#>     residenceSince >= 2.5 & duration >= 9.5 & (propertyMagnitude_real.estate < 
#>     0.5 | is.na(propertyMagnitude_real.estate)) & (duration < 
#>     16.5 | is.na(duration)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ -0.00272406265, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ 0.00992157124, (creditAmount < 3025.5 | 
#>     is.na(creditAmount)) & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>     checkingStatus_X0..X.200 >= 0.5 & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ -0.00647343928, creditAmount >= 3025.5 & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & checkingStatus_X0..X.200 >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ 0.0024449334, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & personalStatus_male.single >= 
#>     0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ -0.00312184356, savingsStatus_X.100 >= 
#>     0.5 & personalStatus_male.single >= 0.5 & (housing_rent < 
#>     0.5 | is.na(housing_rent)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & duration >= 16.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) & 
#>     creditAmount >= 686.5 ~ 0.00678454991) + case_when(purpose_new.car >= 
#>     0.5 & creditHistory_critical.other.existing.credit >= 0.5 ~ 
#>     3.43181127e-05, age >= 41.5 & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00569978636, (age < 30.5 | is.na(age)) & (purpose_new.car < 
#>     0.5 | is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00273839175, age >= 30.5 & (purpose_new.car < 0.5 | 
#>     is.na(purpose_new.car)) & creditHistory_critical.other.existing.credit >= 
#>     0.5 ~ -0.00783523545, creditAmount >= 7153.5 & creditAmount >= 
#>     1906.5 & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00127471786, (otherPaymentPlans_none < 0.5 | is.na(otherPaymentPlans_none)) & 
#>     (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>     (age < 41.5 | is.na(age)) & (savingsStatus_X.100 < 0.5 | 
#>     is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.000697132025, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     savingsStatus_X100..X.500 >= 0.5 & (age < 41.5 | is.na(age)) & 
#>     (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00494502205, personalStatus_male.single >= 0.5 & savingsStatus_X100..X.500 >= 
#>     0.5 & (age < 41.5 | is.na(age)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00475820247, (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>     (creditAmount < 1249 | is.na(creditAmount)) & (creditAmount < 
#>     1906.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & 
#>     (creditHistory_critical.other.existing.credit < 0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     0.00595912198, employment_X1..X.4 >= 0.5 & (creditAmount < 
#>     1249 | is.na(creditAmount)) & (creditAmount < 1906.5 | is.na(creditAmount)) & 
#>     savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>     0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>     -0.00193210796, (age < 27.5 | is.na(age)) & creditAmount >= 
#>     1249 & (creditAmount < 1906.5 | is.na(creditAmount)) & savingsStatus_X.100 >= 
#>     0.5 & (creditHistory_critical.other.existing.credit < 0.5 | 
#>     is.na(creditHistory_critical.other.existing.credit)) ~ 0.000538379536, 
#>     age >= 27.5 & creditAmount >= 1249 & (creditAmount < 1906.5 | 
#>         is.na(creditAmount)) & savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00750398636, (age < 27.5 | is.na(age)) & (creditAmount < 
#>         7153.5 | is.na(creditAmount)) & creditAmount >= 1906.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0017029614, (duration < 27 | is.na(duration)) & otherPaymentPlans_none >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (age < 41.5 | is.na(age)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00406737719, duration >= 27 & otherPaymentPlans_none >= 
#>         0.5 & (savingsStatus_X100..X.500 < 0.5 | is.na(savingsStatus_X100..X.500)) & 
#>         (age < 41.5 | is.na(age)) & (savingsStatus_X.100 < 0.5 | 
#>         is.na(savingsStatus_X.100)) & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.00933128409, installmentCommitment >= 3.5 & age >= 
#>         27.5 & (creditAmount < 7153.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1906.5 & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.0095269559, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         age >= 27.5 & (creditAmount < 7153.5 | is.na(creditAmount)) & 
#>         creditAmount >= 1906.5 & savingsStatus_X.100 >= 0.5 & 
#>         (creditHistory_critical.other.existing.credit < 0.5 | 
#>             is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         0.00707907882, ownTelephone_none >= 0.5 & (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & age >= 27.5 & (creditAmount < 
#>         7153.5 | is.na(creditAmount)) & creditAmount >= 1906.5 & 
#>         savingsStatus_X.100 >= 0.5 & (creditHistory_critical.other.existing.credit < 
#>         0.5 | is.na(creditHistory_critical.other.existing.credit)) ~ 
#>         -0.000170482672) + case_when(savingsStatus_no.known.savings >= 
#>     0.5 & purpose_new.car >= 0.5 ~ 0.00865642633, personalStatus_male.div.sep >= 
#>     0.5 & (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>     (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00478402991, 
#>     (creditAmount < 1194.5 | is.na(creditAmount)) & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         0.00686278706, (age < 29.5 | is.na(age)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) & purpose_new.car >= 
#>         0.5 ~ 0.00827770494, propertyMagnitude_life.insurance >= 
#>         0.5 & creditAmount >= 1194.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.00857656728, otherPaymentPlans_bank >= 0.5 & age >= 
#>         29.5 & (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         purpose_new.car >= 0.5 ~ 0.00504923891, numDependents >= 
#>         1.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 0.00120784598, 
#>     (age < 30 | is.na(age)) & checkingStatus_X.0 >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00447356794, (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         1194.5 & personalStatus_female.div.dep.mar >= 0.5 & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00345866266, ownTelephone_none >= 
#>         0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         creditAmount >= 1194.5 & personalStatus_female.div.dep.mar >= 
#>         0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ 
#>         -0.00204873667, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         age >= 29.5 & (savingsStatus_no.known.savings < 0.5 | 
#>         is.na(savingsStatus_no.known.savings)) & purpose_new.car >= 
#>         0.5 ~ -0.00986047462, checkingStatus_X.0 >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & age >= 29.5 & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) & 
#>         purpose_new.car >= 0.5 ~ 0.000556585961, propertyMagnitude_real.estate >= 
#>         0.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (personalStatus_female.div.dep.mar < 0.5 | is.na(personalStatus_female.div.dep.mar)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) ~ -0.00270590978, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & age >= 30 & 
#>         checkingStatus_X.0 >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ 0.00274623535, residenceSince >= 
#>         3.5 & age >= 30 & checkingStatus_X.0 >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00013239008, (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 0.5 | 
#>         is.na(checkingStatus_X.0)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00993681792, creditHistory_delayed.previously >= 
#>         0.5 & (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (personalStatus_female.div.dep.mar < 
#>         0.5 | is.na(personalStatus_female.div.dep.mar)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) ~ -0.00319684506) + case_when(creditAmount >= 
#>     5152 & ownTelephone_none >= 0.5 ~ -0.00652410602, (creditAmount < 
#>     2615.5 | is.na(creditAmount)) & propertyMagnitude_life.insurance >= 
#>     0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) ~ 
#>     -0.00915849209, creditAmount >= 2615.5 & propertyMagnitude_life.insurance >= 
#>     0.5 & (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) ~ 
#>     -0.00276811444, creditAmount >= 4065 & (creditAmount < 5152 | 
#>     is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ 0.0081282584, 
#>     (housing_own < 0.5 | is.na(housing_own)) & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) ~ -0.00767220883, (job_skilled < 
#>         0.5 | is.na(job_skilled)) & checkingStatus_X.0 >= 0.5 & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) ~ 
#>         0.000255510735, job_skilled >= 0.5 & checkingStatus_X.0 >= 
#>         0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) ~ 
#>         0.00472140731, (installmentCommitment < 1.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 4065 | is.na(creditAmount)) & (creditAmount < 
#>         5152 | is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ 
#>         -0.00403280882, existingCredits >= 1.5 & housing_own >= 
#>         0.5 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) ~ 
#>         0.00337072788, (age < 32.5 | is.na(age)) & (existingCredits < 
#>         1.5 | is.na(existingCredits)) & housing_own >= 0.5 & 
#>         (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) ~ 
#>         -0.00144960301, age >= 32.5 & (existingCredits < 1.5 | 
#>         is.na(existingCredits)) & housing_own >= 0.5 & (checkingStatus_X.0 < 
#>         0.5 | is.na(checkingStatus_X.0)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (ownTelephone_none < 
#>         0.5 | is.na(ownTelephone_none)) ~ -0.00450729299, propertyMagnitude_real.estate >= 
#>         0.5 & duration >= 16.5 & installmentCommitment >= 1.5 & 
#>         (creditAmount < 4065 | is.na(creditAmount)) & (creditAmount < 
#>         5152 | is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ 
#>         0.0129783414, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (age < 32.5 | is.na(age)) & (duration < 16.5 | is.na(duration)) & 
#>         installmentCommitment >= 1.5 & (creditAmount < 4065 | 
#>         is.na(creditAmount)) & (creditAmount < 5152 | is.na(creditAmount)) & 
#>         ownTelephone_none >= 0.5 ~ 0.000190647726, checkingStatus_X.0 >= 
#>         0.5 & (age < 32.5 | is.na(age)) & (duration < 16.5 | 
#>         is.na(duration)) & installmentCommitment >= 1.5 & (creditAmount < 
#>         4065 | is.na(creditAmount)) & (creditAmount < 5152 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ 0.00550061045, 
#>     (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>         age >= 32.5 & (duration < 16.5 | is.na(duration)) & installmentCommitment >= 
#>         1.5 & (creditAmount < 4065 | is.na(creditAmount)) & (creditAmount < 
#>         5152 | is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ 
#>         -0.00675944472, personalStatus_male.single >= 0.5 & age >= 
#>         32.5 & (duration < 16.5 | is.na(duration)) & installmentCommitment >= 
#>         1.5 & (creditAmount < 4065 | is.na(creditAmount)) & (creditAmount < 
#>         5152 | is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ 
#>         0.0010899828, checkingStatus_X.0 >= 0.5 & (propertyMagnitude_real.estate < 
#>         0.5 | is.na(propertyMagnitude_real.estate)) & duration >= 
#>         16.5 & installmentCommitment >= 1.5 & (creditAmount < 
#>         4065 | is.na(creditAmount)) & (creditAmount < 5152 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ 0.00475163246, 
#>     (age < 33 | is.na(age)) & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         duration >= 16.5 & installmentCommitment >= 1.5 & (creditAmount < 
#>         4065 | is.na(creditAmount)) & (creditAmount < 5152 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ -0.00365059427, 
#>     age >= 33 & (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>         (propertyMagnitude_real.estate < 0.5 | is.na(propertyMagnitude_real.estate)) & 
#>         duration >= 16.5 & installmentCommitment >= 1.5 & (creditAmount < 
#>         4065 | is.na(creditAmount)) & (creditAmount < 5152 | 
#>         is.na(creditAmount)) & ownTelephone_none >= 0.5 ~ -0.00101329619) + 
#>     case_when((foreignWorker_yes < 0.5 | is.na(foreignWorker_yes)) ~ 
#>         -0.00802500173, (creditAmount < 687 | is.na(creditAmount)) & 
#>         foreignWorker_yes >= 0.5 ~ -0.00726529211, (creditAmount < 
#>         979.5 | is.na(creditAmount)) & creditAmount >= 687 & 
#>         foreignWorker_yes >= 0.5 ~ 0.00627239887, (age < 22.5 | 
#>         is.na(age)) & creditAmount >= 979.5 & creditAmount >= 
#>         687 & foreignWorker_yes >= 0.5 ~ -0.00565874018, (duration < 
#>         15.5 | is.na(duration)) & housing_rent >= 0.5 & age >= 
#>         22.5 & creditAmount >= 979.5 & creditAmount >= 687 & 
#>         foreignWorker_yes >= 0.5 ~ -0.000739611161, age >= 34.5 & 
#>         (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & age >= 22.5 & 
#>         creditAmount >= 979.5 & creditAmount >= 687 & foreignWorker_yes >= 
#>         0.5 ~ -0.00775045855, job_unskilled.resident >= 0.5 & 
#>         installmentCommitment >= 2.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & age >= 22.5 & creditAmount >= 
#>         979.5 & creditAmount >= 687 & foreignWorker_yes >= 0.5 ~ 
#>         0.00722227618, (creditAmount < 3111.5 | is.na(creditAmount)) & 
#>         duration >= 15.5 & housing_rent >= 0.5 & age >= 22.5 & 
#>         creditAmount >= 979.5 & creditAmount >= 687 & foreignWorker_yes >= 
#>         0.5 ~ -0.000136007744, creditAmount >= 3111.5 & duration >= 
#>         15.5 & housing_rent >= 0.5 & age >= 22.5 & creditAmount >= 
#>         979.5 & creditAmount >= 687 & foreignWorker_yes >= 0.5 ~ 
#>         0.00869879033, (ownTelephone_yes < 0.5 | is.na(ownTelephone_yes)) & 
#>         (age < 34.5 | is.na(age)) & (installmentCommitment < 
#>         2.5 | is.na(installmentCommitment)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & age >= 22.5 & creditAmount >= 
#>         979.5 & creditAmount >= 687 & foreignWorker_yes >= 0.5 ~ 
#>         -0.00409867195, ownTelephone_yes >= 0.5 & (age < 34.5 | 
#>         is.na(age)) & (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (housing_rent < 0.5 | is.na(housing_rent)) & age >= 22.5 & 
#>         creditAmount >= 979.5 & creditAmount >= 687 & foreignWorker_yes >= 
#>         0.5 ~ 0.00353732379, (age < 31.5 | is.na(age)) & (job_unskilled.resident < 
#>         0.5 | is.na(job_unskilled.resident)) & installmentCommitment >= 
#>         2.5 & (housing_rent < 0.5 | is.na(housing_rent)) & age >= 
#>         22.5 & creditAmount >= 979.5 & creditAmount >= 687 & 
#>         foreignWorker_yes >= 0.5 ~ 0.00236192858, age >= 31.5 & 
#>         (job_unskilled.resident < 0.5 | is.na(job_unskilled.resident)) & 
#>         installmentCommitment >= 2.5 & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & age >= 22.5 & creditAmount >= 
#>         979.5 & creditAmount >= 687 & foreignWorker_yes >= 0.5 ~ 
#>         -0.00208327197) + case_when(employment_X..7 >= 0.5 & 
#>     savingsStatus_no.known.savings >= 0.5 ~ 0.00115001015, purpose_new.car >= 
#>     0.5 & propertyMagnitude_life.insurance >= 0.5 & (savingsStatus_no.known.savings < 
#>     0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00222198572, 
#>     (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & savingsStatus_no.known.savings >= 
#>         0.5 ~ -0.0103545664, ownTelephone_none >= 0.5 & (employment_X..7 < 
#>         0.5 | is.na(employment_X..7)) & savingsStatus_no.known.savings >= 
#>         0.5 ~ -0.00217015785, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         numDependents >= 1.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00122847827, 
#>     ownTelephone_none >= 0.5 & numDependents >= 1.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.0100468313, 
#>     (age < 26.5 | is.na(age)) & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.000792733044, 
#>     age >= 26.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>         propertyMagnitude_life.insurance >= 0.5 & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00817606784, 
#>     duration >= 34.5 & (age < 29.5 | is.na(age)) & (numDependents < 
#>         1.5 | is.na(numDependents)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00559616555, 
#>     age >= 27.5 & (duration < 34.5 | is.na(duration)) & (age < 
#>         29.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00588289741, (age < 33.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 29.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00571211614, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & checkingStatus_no.checking >= 
#>         0.5 & age >= 29.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00225443207, residenceSince >= 2.5 & checkingStatus_no.checking >= 
#>         0.5 & age >= 29.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00776257692, (residenceSince < 1.5 | is.na(residenceSince)) & 
#>         (age < 27.5 | is.na(age)) & (duration < 34.5 | is.na(duration)) & 
#>         (age < 29.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00202045892, (creditAmount < 1903.5 | is.na(creditAmount)) & 
#>         residenceSince >= 1.5 & (age < 27.5 | is.na(age)) & (duration < 
#>         34.5 | is.na(duration)) & (age < 29.5 | is.na(age)) & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00118414895, 
#>     creditAmount >= 1903.5 & residenceSince >= 1.5 & (age < 27.5 | 
#>         is.na(age)) & (duration < 34.5 | is.na(duration)) & (age < 
#>         29.5 | is.na(age)) & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         -0.00572620565, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & age >= 33.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 29.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.0020720677, 
#>     creditHistory_existing.paid >= 0.5 & (job_skilled < 0.5 | 
#>         is.na(job_skilled)) & age >= 33.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 29.5 & 
#>         (numDependents < 1.5 | is.na(numDependents)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ -0.00387391448, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & job_skilled >= 
#>         0.5 & age >= 33.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & age >= 29.5 & (numDependents < 
#>         1.5 | is.na(numDependents)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & (savingsStatus_no.known.savings < 
#>         0.5 | is.na(savingsStatus_no.known.savings)) ~ 0.00528270518, 
#>     residenceSince >= 3.5 & job_skilled >= 0.5 & age >= 33.5 & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 29.5 & (numDependents < 1.5 | is.na(numDependents)) & 
#>         (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>         (savingsStatus_no.known.savings < 0.5 | is.na(savingsStatus_no.known.savings)) ~ 
#>         0.00180128484) + case_when((personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & purpose_used.car >= 
#>     0.5 ~ -0.00153337093, personalStatus_male.single >= 0.5 & 
#>     purpose_used.car >= 0.5 ~ -0.00922783278, (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & employment_X4..X.7 >= 
#>     0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>     -0.006782162, creditHistory_delayed.previously >= 0.5 & duration >= 
#>     15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>     (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 0.00927319378, 
#>     (existingCredits < 1.5 | is.na(existingCredits)) & savingsStatus_X.100 >= 
#>         0.5 & employment_X4..X.7 >= 0.5 & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00198912411, existingCredits >= 
#>         1.5 & savingsStatus_X.100 >= 0.5 & employment_X4..X.7 >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00419484405, creditAmount >= 3573 & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (duration < 15.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00595411099, (creditAmount < 1266.5 | is.na(creditAmount)) & 
#>         purpose_radio.tv >= 0.5 & (duration < 15.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000175333975, creditAmount >= 1266.5 & purpose_radio.tv >= 
#>         0.5 & (duration < 15.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00735542877, (installmentCommitment < 
#>         3.5 | is.na(installmentCommitment)) & (creditAmount < 
#>         3573 | is.na(creditAmount)) & (purpose_radio.tv < 0.5 | 
#>         is.na(purpose_radio.tv)) & (duration < 15.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00791737344, (installmentCommitment < 3.5 | is.na(installmentCommitment)) & 
#>         (creditAmount < 3382.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & duration >= 
#>         15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00867105369, propertyMagnitude_life.insurance >= 0.5 & 
#>         creditAmount >= 3382.5 & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & duration >= 
#>         15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00645207055, (propertyMagnitude_life.insurance < 0.5 | 
#>         is.na(propertyMagnitude_life.insurance)) & installmentCommitment >= 
#>         3.5 & (creditAmount < 3573 | is.na(creditAmount)) & (purpose_radio.tv < 
#>         0.5 | is.na(purpose_radio.tv)) & (duration < 15.5 | is.na(duration)) & 
#>         (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00344063877, propertyMagnitude_life.insurance >= 0.5 & 
#>         installmentCommitment >= 3.5 & (creditAmount < 3573 | 
#>         is.na(creditAmount)) & (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         (duration < 15.5 | is.na(duration)) & (employment_X4..X.7 < 
#>         0.5 | is.na(employment_X4..X.7)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) ~ 0.00115725677, (creditHistory_existing.paid < 
#>         0.5 | is.na(creditHistory_existing.paid)) & installmentCommitment >= 
#>         3.5 & (creditAmount < 3382.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         duration >= 15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.00180851331, (creditHistory_existing.paid < 0.5 | 
#>         is.na(creditHistory_existing.paid)) & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         3382.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         duration >= 15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.0013698797, creditHistory_existing.paid >= 0.5 & (propertyMagnitude_life.insurance < 
#>         0.5 | is.na(propertyMagnitude_life.insurance)) & creditAmount >= 
#>         3382.5 & (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         duration >= 15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00222533685, (purpose_radio.tv < 0.5 | is.na(purpose_radio.tv)) & 
#>         creditHistory_existing.paid >= 0.5 & installmentCommitment >= 
#>         3.5 & (creditAmount < 3382.5 | is.na(creditAmount)) & 
#>         (creditHistory_delayed.previously < 0.5 | is.na(creditHistory_delayed.previously)) & 
#>         duration >= 15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         0.00788875204, purpose_radio.tv >= 0.5 & creditHistory_existing.paid >= 
#>         0.5 & installmentCommitment >= 3.5 & (creditAmount < 
#>         3382.5 | is.na(creditAmount)) & (creditHistory_delayed.previously < 
#>         0.5 | is.na(creditHistory_delayed.previously)) & duration >= 
#>         15.5 & (employment_X4..X.7 < 0.5 | is.na(employment_X4..X.7)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) ~ 
#>         -0.000457794842) + case_when((duration < 8.5 | is.na(duration)) ~ 
#>     -0.00548765529, (duration < 9.5 | is.na(duration)) & duration >= 
#>     8.5 ~ 0.00638560206, purpose_used.car >= 0.5 & (creditAmount < 
#>     7201 | is.na(creditAmount)) & duration >= 9.5 & duration >= 
#>     8.5 ~ -0.0070076189, (age < 29.5 | is.na(age)) & creditAmount >= 
#>     7201 & duration >= 9.5 & duration >= 8.5 ~ 0.00405456079, 
#>     age >= 29.5 & creditAmount >= 7201 & duration >= 9.5 & duration >= 
#>         8.5 ~ -0.00661348226, personalStatus_male.div.sep >= 
#>         0.5 & (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 7201 | is.na(creditAmount)) & duration >= 
#>         9.5 & duration >= 8.5 ~ 0.00647624582, (creditAmount < 
#>         1788 | is.na(creditAmount)) & checkingStatus_no.checking >= 
#>         0.5 & (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 7201 | is.na(creditAmount)) & duration >= 
#>         9.5 & duration >= 8.5 ~ -0.00329271704, (age < 26.5 | 
#>         is.na(age)) & (residenceSince < 3.5 | is.na(residenceSince)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 7201 | is.na(creditAmount)) & duration >= 
#>         9.5 & duration >= 8.5 ~ 0.00654331967, age >= 26.5 & 
#>         (residenceSince < 3.5 | is.na(residenceSince)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 7201 | 
#>         is.na(creditAmount)) & duration >= 9.5 & duration >= 
#>         8.5 ~ -0.00082534994, (duration < 20.5 | is.na(duration)) & 
#>         residenceSince >= 3.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 7201 | 
#>         is.na(creditAmount)) & duration >= 9.5 & duration >= 
#>         8.5 ~ -0.00763936015, duration >= 20.5 & residenceSince >= 
#>         3.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         (personalStatus_male.div.sep < 0.5 | is.na(personalStatus_male.div.sep)) & 
#>         (purpose_used.car < 0.5 | is.na(purpose_used.car)) & 
#>         (creditAmount < 7201 | is.na(creditAmount)) & duration >= 
#>         9.5 & duration >= 8.5 ~ 0.00270995498, (existingCredits < 
#>         1.5 | is.na(existingCredits)) & creditAmount >= 1788 & 
#>         checkingStatus_no.checking >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 7201 | 
#>         is.na(creditAmount)) & duration >= 9.5 & duration >= 
#>         8.5 ~ 0.0011336318, existingCredits >= 1.5 & creditAmount >= 
#>         1788 & checkingStatus_no.checking >= 0.5 & (personalStatus_male.div.sep < 
#>         0.5 | is.na(personalStatus_male.div.sep)) & (purpose_used.car < 
#>         0.5 | is.na(purpose_used.car)) & (creditAmount < 7201 | 
#>         is.na(creditAmount)) & duration >= 9.5 & duration >= 
#>         8.5 ~ 0.0083383657) + case_when((creditAmount < 683.5 | 
#>     is.na(creditAmount)) ~ -0.0104367966, propertyMagnitude_life.insurance >= 
#>     0.5 & employment_X.1 >= 0.5 & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     6.89576773e-05, (personalStatus_male.single < 0.5 | is.na(personalStatus_male.single)) & 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & otherPaymentPlans_bank >= 
#>     0.5 & creditAmount >= 683.5 ~ 0.00279678311, personalStatus_male.single >= 
#>     0.5 & (residenceSince < 2.5 | is.na(residenceSince)) & otherPaymentPlans_bank >= 
#>     0.5 & creditAmount >= 683.5 ~ 0.0122257601, (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & residenceSince >= 
#>     2.5 & otherPaymentPlans_bank >= 0.5 & creditAmount >= 683.5 ~ 
#>     0.0052672145, personalStatus_male.single >= 0.5 & residenceSince >= 
#>     2.5 & otherPaymentPlans_bank >= 0.5 & creditAmount >= 683.5 ~ 
#>     -0.00151312246, purpose_business >= 0.5 & savingsStatus_X.100 >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     0.00659916457, (propertyMagnitude_car < 0.5 | is.na(propertyMagnitude_car)) & 
#>     (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     employment_X.1 >= 0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     creditAmount >= 683.5 ~ 0.0035182212, propertyMagnitude_car >= 
#>     0.5 & (propertyMagnitude_life.insurance < 0.5 | is.na(propertyMagnitude_life.insurance)) & 
#>     employment_X.1 >= 0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     creditAmount >= 683.5 ~ 0.00945130177, (housing_own < 0.5 | 
#>     is.na(housing_own)) & (creditHistory_existing.paid < 0.5 | 
#>     is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     -0.00294607808, housing_own >= 0.5 & (creditHistory_existing.paid < 
#>     0.5 | is.na(creditHistory_existing.paid)) & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     -0.00802249927, checkingStatus_no.checking >= 0.5 & creditHistory_existing.paid >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     -0.00371726672, (checkingStatus_X.0 < 0.5 | is.na(checkingStatus_X.0)) & 
#>     (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>     creditHistory_existing.paid >= 0.5 & (savingsStatus_X.100 < 
#>     0.5 | is.na(savingsStatus_X.100)) & (employment_X.1 < 0.5 | 
#>     is.na(employment_X.1)) & (otherPaymentPlans_bank < 0.5 | 
#>     is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     -0.00114970678, checkingStatus_X.0 >= 0.5 & (checkingStatus_no.checking < 
#>     0.5 | is.na(checkingStatus_no.checking)) & creditHistory_existing.paid >= 
#>     0.5 & (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     0.00532504776, (creditAmount < 3451 | is.na(creditAmount)) & 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>     (purpose_business < 0.5 | is.na(purpose_business)) & savingsStatus_X.100 >= 
#>     0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     -0.000597029517, creditAmount >= 3451 & (installmentCommitment < 
#>     2.5 | is.na(installmentCommitment)) & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & savingsStatus_X.100 >= 0.5 & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     -0.00872044731, (job_skilled < 0.5 | is.na(job_skilled)) & 
#>     (creditAmount < 1809.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     2.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     creditAmount >= 683.5 ~ -0.00634458009, job_skilled >= 0.5 & 
#>     (creditAmount < 1809.5 | is.na(creditAmount)) & installmentCommitment >= 
#>     2.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     creditAmount >= 683.5 ~ -0.000314891047, (age < 34.5 | is.na(age)) & 
#>     creditAmount >= 1809.5 & installmentCommitment >= 2.5 & (purpose_business < 
#>     0.5 | is.na(purpose_business)) & savingsStatus_X.100 >= 0.5 & 
#>     (employment_X.1 < 0.5 | is.na(employment_X.1)) & (otherPaymentPlans_bank < 
#>     0.5 | is.na(otherPaymentPlans_bank)) & creditAmount >= 683.5 ~ 
#>     0.000482739561, age >= 34.5 & creditAmount >= 1809.5 & installmentCommitment >= 
#>     2.5 & (purpose_business < 0.5 | is.na(purpose_business)) & 
#>     savingsStatus_X.100 >= 0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>     (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>     creditAmount >= 683.5 ~ 0.00683755986) + case_when((duration < 
#>     9.5 | is.na(duration)) & (age < 28.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>     0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00476181041, (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & (age < 
#>     25.5 | is.na(age)) & checkingStatus_X0..X.200 >= 0.5 ~ 0.0121358484, 
#>     personalStatus_female.div.dep.mar >= 0.5 & (age < 25.5 | 
#>         is.na(age)) & checkingStatus_X0..X.200 >= 0.5 ~ 0.000447978353, 
#>     employment_X.1 >= 0.5 & age >= 25.5 & checkingStatus_X0..X.200 >= 
#>         0.5 ~ -0.00726035889, duration >= 34.5 & duration >= 
#>         9.5 & (age < 28.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.000475006062, 
#>     (duration < 12.5 | is.na(duration)) & checkingStatus_no.checking >= 
#>         0.5 & age >= 28.5 & (checkingStatus_X0..X.200 < 0.5 | 
#>         is.na(checkingStatus_X0..X.200)) ~ 0.00189609372, otherPaymentPlans_bank >= 
#>         0.5 & (employment_X.1 < 0.5 | is.na(employment_X.1)) & 
#>         age >= 25.5 & checkingStatus_X0..X.200 >= 0.5 ~ -0.00354828266, 
#>     creditAmount >= 2478 & (duration < 34.5 | is.na(duration)) & 
#>         duration >= 9.5 & (age < 28.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.0101344138, 
#>     (age < 30.5 | is.na(age)) & (age < 35.5 | is.na(age)) & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 28.5 & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.000621043437, age >= 30.5 & (age < 35.5 | is.na(age)) & 
#>         (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>         age >= 28.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         0.0105149001, (residenceSince < 2.5 | is.na(residenceSince)) & 
#>         duration >= 12.5 & checkingStatus_no.checking >= 0.5 & 
#>         age >= 28.5 & (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.0034001905, residenceSince >= 2.5 & duration >= 12.5 & 
#>         checkingStatus_no.checking >= 0.5 & age >= 28.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00776373548, 
#>     (installmentCommitment < 2.5 | is.na(installmentCommitment)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & age >= 
#>         25.5 & checkingStatus_X0..X.200 >= 0.5 ~ 0.00701552443, 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & (creditAmount < 
#>         2478 | is.na(creditAmount)) & (duration < 34.5 | is.na(duration)) & 
#>         duration >= 9.5 & (age < 28.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00128414191, 
#>     housing_rent >= 0.5 & (creditAmount < 2478 | is.na(creditAmount)) & 
#>         (duration < 34.5 | is.na(duration)) & duration >= 9.5 & 
#>         (age < 28.5 | is.na(age)) & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ -0.00711688912, 
#>     (residenceSince < 3.5 | is.na(residenceSince)) & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & age >= 35.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 28.5 & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.00690552779, residenceSince >= 3.5 & (job_skilled < 
#>         0.5 | is.na(job_skilled)) & age >= 35.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 28.5 & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         -0.000704960607, (age < 44 | is.na(age)) & job_skilled >= 
#>         0.5 & age >= 35.5 & (checkingStatus_no.checking < 0.5 | 
#>         is.na(checkingStatus_no.checking)) & age >= 28.5 & (checkingStatus_X0..X.200 < 
#>         0.5 | is.na(checkingStatus_X0..X.200)) ~ 0.00350170629, 
#>     age >= 44 & job_skilled >= 0.5 & age >= 35.5 & (checkingStatus_no.checking < 
#>         0.5 | is.na(checkingStatus_no.checking)) & age >= 28.5 & 
#>         (checkingStatus_X0..X.200 < 0.5 | is.na(checkingStatus_X0..X.200)) ~ 
#>         6.4128275e-05, (savingsStatus_X.100 < 0.5 | is.na(savingsStatus_X.100)) & 
#>         installmentCommitment >= 2.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (employment_X.1 < 
#>         0.5 | is.na(employment_X.1)) & age >= 25.5 & checkingStatus_X0..X.200 >= 
#>         0.5 ~ -0.0053608017, savingsStatus_X.100 >= 0.5 & installmentCommitment >= 
#>         2.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (employment_X.1 < 0.5 | is.na(employment_X.1)) & age >= 
#>         25.5 & checkingStatus_X0..X.200 >= 0.5 ~ 0.00345526729) + 
#>     case_when(creditAmount >= 10918 ~ 0.00822127238, otherPaymentPlans_stores >= 
#>         0.5 & (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00510058412, 
#>         creditAmount >= 4276.5 & purpose_furniture.equipment >= 
#>             0.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>             0.0125421984, (duration < 8.5 | is.na(duration)) & 
#>             (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) ~ -0.00696003018, 
#>         creditAmount >= 3582 & (creditAmount < 4276.5 | is.na(creditAmount)) & 
#>             purpose_furniture.equipment >= 0.5 & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ -0.00732311234, (installmentCommitment < 
#>             3.5 | is.na(installmentCommitment)) & (creditAmount < 
#>             3582 | is.na(creditAmount)) & (creditAmount < 4276.5 | 
#>             is.na(creditAmount)) & purpose_furniture.equipment >= 
#>             0.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>             0.00696736202, installmentCommitment >= 3.5 & (creditAmount < 
#>             3582 | is.na(creditAmount)) & (creditAmount < 4276.5 | 
#>             is.na(creditAmount)) & purpose_furniture.equipment >= 
#>             0.5 & (creditAmount < 10918 | is.na(creditAmount)) ~ 
#>             -0.000324848399, (creditAmount < 1922.5 | is.na(creditAmount)) & 
#>             housing_rent >= 0.5 & duration >= 8.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ 0.00462637702, (creditAmount < 
#>             804 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>             0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             duration >= 8.5 & (otherPaymentPlans_stores < 0.5 | 
#>             is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ 0.00480378931, (creditAmount < 
#>             3799 | is.na(creditAmount)) & creditAmount >= 1922.5 & 
#>             housing_rent >= 0.5 & duration >= 8.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ -0.00437174272, creditAmount >= 
#>             3799 & creditAmount >= 1922.5 & housing_rent >= 0.5 & 
#>             duration >= 8.5 & (otherPaymentPlans_stores < 0.5 | 
#>             is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ 0.0042278464, (installmentCommitment < 
#>             2.5 | is.na(installmentCommitment)) & (checkingStatus_no.checking < 
#>             0.5 | is.na(checkingStatus_no.checking)) & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & duration >= 8.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ -0.00472844392, installmentCommitment >= 
#>             2.5 & (checkingStatus_no.checking < 0.5 | is.na(checkingStatus_no.checking)) & 
#>             (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>             (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>             8.5 & (otherPaymentPlans_stores < 0.5 | is.na(otherPaymentPlans_stores)) & 
#>             (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>             (creditAmount < 10918 | is.na(creditAmount)) ~ 0.00560986996, 
#>         (employment_X1..X.4 < 0.5 | is.na(employment_X1..X.4)) & 
#>             checkingStatus_no.checking >= 0.5 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & duration >= 8.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ -0.00420392165, employment_X1..X.4 >= 
#>             0.5 & checkingStatus_no.checking >= 0.5 & (creditHistory_existing.paid < 
#>             0.5 | is.na(creditHistory_existing.paid)) & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & duration >= 8.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ -0.00165113539, (savingsStatus_no.known.savings < 
#>             0.5 | is.na(savingsStatus_no.known.savings)) & creditAmount >= 
#>             804 & creditHistory_existing.paid >= 0.5 & (housing_rent < 
#>             0.5 | is.na(housing_rent)) & duration >= 8.5 & (otherPaymentPlans_stores < 
#>             0.5 | is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ -0.00615095999, savingsStatus_no.known.savings >= 
#>             0.5 & creditAmount >= 804 & creditHistory_existing.paid >= 
#>             0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & 
#>             duration >= 8.5 & (otherPaymentPlans_stores < 0.5 | 
#>             is.na(otherPaymentPlans_stores)) & (purpose_furniture.equipment < 
#>             0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>             10918 | is.na(creditAmount)) ~ 0.0011505452) + case_when((duration < 
#>     8.5 | is.na(duration)) & (creditAmount < 2482.5 | is.na(creditAmount)) ~ 
#>     -0.00669897534, creditAmount >= 7770 & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>     2482.5 ~ -0.00471135089, (personalStatus_female.div.dep.mar < 
#>     0.5 | is.na(personalStatus_female.div.dep.mar)) & housing_rent >= 
#>     0.5 & duration >= 8.5 & (creditAmount < 2482.5 | is.na(creditAmount)) ~ 
#>     0.00250854273, personalStatus_female.div.dep.mar >= 0.5 & 
#>     housing_rent >= 0.5 & duration >= 8.5 & (creditAmount < 2482.5 | 
#>     is.na(creditAmount)) ~ -0.00489058113, creditAmount >= 4970 & 
#>     (creditAmount < 7770 | is.na(creditAmount)) & (personalStatus_male.single < 
#>     0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>     2482.5 ~ 0.00769179128, (residenceSince < 3.5 | is.na(residenceSince)) & 
#>     (creditAmount < 7844.5 | is.na(creditAmount)) & personalStatus_male.single >= 
#>     0.5 & creditAmount >= 2482.5 ~ -0.0094847884, (duration < 
#>     37.5 | is.na(duration)) & creditAmount >= 7844.5 & personalStatus_male.single >= 
#>     0.5 & creditAmount >= 2482.5 ~ 0.00452282187, duration >= 
#>     37.5 & creditAmount >= 7844.5 & personalStatus_male.single >= 
#>     0.5 & creditAmount >= 2482.5 ~ -0.00628914498, otherPaymentPlans_bank >= 
#>     0.5 & (purpose_new.car < 0.5 | is.na(purpose_new.car)) & 
#>     (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>     8.5 & (creditAmount < 2482.5 | is.na(creditAmount)) ~ -0.00535599655, 
#>     (residenceSince < 2.5 | is.na(residenceSince)) & purpose_new.car >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 & (creditAmount < 2482.5 | is.na(creditAmount)) ~ 
#>         0.00399417803, residenceSince >= 2.5 & purpose_new.car >= 
#>         0.5 & (housing_rent < 0.5 | is.na(housing_rent)) & duration >= 
#>         8.5 & (creditAmount < 2482.5 | is.na(creditAmount)) ~ 
#>         -0.00440218626, purpose_furniture.equipment >= 0.5 & 
#>         (creditAmount < 4970 | is.na(creditAmount)) & (creditAmount < 
#>         7770 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         2482.5 ~ 0.0033339553, (creditAmount < 4245 | is.na(creditAmount)) & 
#>         residenceSince >= 3.5 & (creditAmount < 7844.5 | is.na(creditAmount)) & 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 2482.5 ~ 
#>         0.00285127223, creditAmount >= 4245 & residenceSince >= 
#>         3.5 & (creditAmount < 7844.5 | is.na(creditAmount)) & 
#>         personalStatus_male.single >= 0.5 & creditAmount >= 2482.5 ~ 
#>         -0.00484065805, (ownTelephone_none < 0.5 | is.na(ownTelephone_none)) & 
#>         (purpose_furniture.equipment < 0.5 | is.na(purpose_furniture.equipment)) & 
#>         (creditAmount < 4970 | is.na(creditAmount)) & (creditAmount < 
#>         7770 | is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         2482.5 ~ -0.00644757366, ownTelephone_none >= 0.5 & (purpose_furniture.equipment < 
#>         0.5 | is.na(purpose_furniture.equipment)) & (creditAmount < 
#>         4970 | is.na(creditAmount)) & (creditAmount < 7770 | 
#>         is.na(creditAmount)) & (personalStatus_male.single < 
#>         0.5 | is.na(personalStatus_male.single)) & creditAmount >= 
#>         2482.5 ~ 4.22817939e-05, (creditAmount < 1537.5 | is.na(creditAmount)) & 
#>         (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & duration >= 8.5 & (creditAmount < 
#>         2482.5 | is.na(creditAmount)) ~ 0.00622160826, creditAmount >= 
#>         1537.5 & (creditHistory_existing.paid < 0.5 | is.na(creditHistory_existing.paid)) & 
#>         (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & duration >= 8.5 & (creditAmount < 
#>         2482.5 | is.na(creditAmount)) ~ 0.0148908924, (creditAmount < 
#>         1463.5 | is.na(creditAmount)) & creditHistory_existing.paid >= 
#>         0.5 & (otherPaymentPlans_bank < 0.5 | is.na(otherPaymentPlans_bank)) & 
#>         (purpose_new.car < 0.5 | is.na(purpose_new.car)) & (housing_rent < 
#>         0.5 | is.na(housing_rent)) & duration >= 8.5 & (creditAmount < 
#>         2482.5 | is.na(creditAmount)) ~ -0.00208639586, creditAmount >= 
#>         1463.5 & creditHistory_existing.paid >= 0.5 & (otherPaymentPlans_bank < 
#>         0.5 | is.na(otherPaymentPlans_bank)) & (purpose_new.car < 
#>         0.5 | is.na(purpose_new.car)) & (housing_rent < 0.5 | 
#>         is.na(housing_rent)) & duration >= 8.5 & (creditAmount < 
#>         2482.5 | is.na(creditAmount)) ~ 0.00592692243) + log(0.5/(1 - 
#>     0.5))))